First-Time Home Buyer Loans
Your first home, in Texas or Florida.
I help first-time buyers across Texas and Florida find the right loan — including conventional, FHA, and bank-statement programs for self-employed buyers.
Overview
A first-time home buyer in Texas or Florida has more loan options than most people realize. Conventional loans require as little as 3% down. FHA loans allow 3.5% down with flexible credit guidelines. State and local programs in both Texas and Florida offer additional down payment assistance to qualified buyers. The right loan depends on your income, credit, and timeline — not just the headline rate.
Who this is for
First-time buyers in Texas and Florida.
Salaried buyers
W-2 employees buying their first home — conventional and FHA programs typically fit best.
Self-employed buyers
1099 contractors, freelancers, and business owners — bank-statement programs let you qualify without two years of tax returns.
Buyers using down payment help
Borrowers using Texas or Florida down payment assistance programs to lower their out-of-pocket cost.
The basics
Six things that actually matter.
Down payment isn't always 20%
Conventional loans can go as low as 3% down. FHA loans go as low as 3.5%. Twenty percent is not a requirement to buy.
Credit matters, but not the way you think
Most first-time buyer programs work with credit scores below the conventional threshold. The right loan depends on your full profile, not one number.
Pre-qualification comes before house hunting
Before you tour homes, get pre-qualified. It tells you what you can afford and signals to sellers that you're a serious buyer.
Closing costs are separate from down payment
Plan for 2-5% of the home price in closing costs. Some programs let you roll these in or get seller credits to cover them.
Self-employed buyers have options too
Bank-statement loans use 12-24 months of business deposits instead of tax returns — built for buyers with variable income.
The whole process takes 30-45 days
From accepted offer to keys in hand, most first-time purchase loans close in 30 to 45 days. I keep your file moving.
Loan Programs
Programs first-time buyers commonly use.
Conventional
As little as 3% down for qualified buyers.
The most widely-used first-time buyer loan in the country. Flexible on property type, generally faster to close, and competitive on overall cost when you qualify.
Learn more →FHA
3.5% down with flexible credit guidelines.
Backed by the Federal Housing Administration. Designed for buyers with lower credit scores or limited down payment savings. Available across Texas and Florida.
Learn more →Self-Employed
Qualify with bank deposits, not tax returns.
Built for self-employed buyers, 1099 contractors, and small business owners. Uses 12-24 months of bank statements to verify income.
Learn more →DPA Programs
Texas and Florida state programs.
Texas offers programs like My First Texas Home and the Texas State Affordable Housing Corporation grants. Florida offers Hometown Heroes and other state-level assistance. Eligibility varies — I'll walk you through which programs you may qualify for.
How it works
Four steps from first call to keys.
Discovery call
We talk through your goals, timeline, and any questions. No application yet, no pressure.
Pre-qualification
I'll review your basic financials and give you a clear picture of what you can comfortably afford and which programs fit.
Application
When you find your home or you're ready to make offers, we'll submit your full application together with everything in one organized place.
Closing
I keep your file moving through underwriting, coordinate with your agent and title company, and stay with you to keys in hand.
Frequently asked
First-time buyer questions, answered.
Next step
Ready to start?
Start your application when you're ready, or get in touch first — either path works.