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State housing agency offers 5.43% mortgage loan rate on FHA, VA, USDA Government Loans for first time homebuyers

The Texas Department of Housing and Community Affairs is pleased to announce that its My First Texas Home (MFTH) Program has made available nearly $144 million for Texas homebuyers to use when purchasing their first home. Qualifying homebuyers can take advantage of some amazing mortgage loan rates for FHA, VA, and USDA government loans.

  • 5.43% mortgage loan
    • $115 million available
    • Down Payment Assistance available (4 points provided through a 30 year, fixed rate, non-amortizing, 0% interest second loan that is due on sale of property or refinance of mortgage loan)

Qualified individuals must have a minimum FICO score of 620 and cannot have had ownership of a residence in Texas within the past three years. Exceptions are available for veterans and with respect to homes purchased within federally designated targeted areas.


Click here to access the list of TDHCA TOP REGIONAL LOAN OFFICERS

TDHCA recognizes individual loan officers in designated regions based solely on the number of loans produced in a program, calculated quarterly, and is not a referral or preference by TDHCA for any individual loan officer or Lender.

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Approved Lenders
Please let the mortgage lender know if you need a reasonable accommodation as a person with a disability or language assistance as a person with limited English proficiency.

MFTH = My First Texas Home (Down Payment/Closing Cost Assistance)Program
MCC = Texas Mortgage Credit Certificate (MCC -Mortgage Interest Tax Credit) Program

City Program Lender Contact Phone Email Address NLMS# Language
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