Skip to site map | Skip navigation TDHCA Home | Contact TDHCA | About TDHCA | Calendar | Press Room | Employment
TDHCANew Low Rates
HomeBuyersRealtorsLendersAvailable FundsOther Homeownership Programs
Get Acrobat Reader
Free software to PDF files
Mortgage Interest Tax Credit Prep Guidance

Not your first journey on the road to homeownership?

My Choice Texas Home offers competitive 30-year, fixed interest rate mortgage loans without the first time buyer requirement!

This NEW option allows qualified Texans access to competitive interest rate home loans with down payment and closing cost assistance.

Homebuyers must meet certain minimum qualifications in order to become eligible to apply for a loan under the program, including:

  • NO first time homebuyer requirement!
  • Income does not exceed program's income limit guidelines (varies by county). Income is based on the income used by Lender for loan qualifying (1003 income).
  • Purchase price of home does not exceed program's purchase price limit guidelines (varies by county)
  • Credit score (FICO) of 620 or higher
  • Credit Score/Debt-To-Income guidelines

Homebuyers can choose to use low rate government-backed Loans (FHA, VA, USDA) or a conventional (FNMA HFA Preferred) loan product.

My Choice Texas Home mortgage loan cannot be combined with the Texas Mortgage Credit Certificate. Contact one of our qualified participating lenders to find out if you qualify for My Choice Texas Home.


  Site Policies   Equal Housing   Top of Page