Loan programs for veterans, 3% down payment DACA/ITIN, first-time home buyers, and 500+ credit scores
Learn more about the loan programs 4H Homes works with, to help you buy a home of your own.
VA Loans
If you are Veteran and have at least a 500+ credit score, we can get you into a home. This zero-down loan is the go-to-loan for all vets because it allows for; no private mortgage insurance (which drastically lowers your payment), using BAH (Basic Allowance for Housing) for qualifications, property tax exemptions for disabled Veterans (which also reduces your payment significantly) and more. To find out more about how we can help you access your VA Loan, check out our blog post Top reasons you should use your VA Home Loan!
3% Down Payment DACA and ITIN Loans
Individuals that are in the DACA Program or have ITIN numbers have never been catered to when purchasing a home. Well, things are changing! We are one of the few outlets that can qualify DACA and ITIN and with down payments as low as 3%! Traditionally a 20% or 25% down payment would be required, but nowt through us! If you have tried in the past and were turned down, please give us a chance. It’s time for you to buy a home of your own, so click the loan link to learn more or go to Apply Now to start an application!
FHA Loans
The FHA loan is one of the most popular options buyers utilize today to purchase a home. It’s a loan program that requires a 580+ credit score and only requires a 3.5% down payment. It is; available in any area, insured by the government, allows you to purchase the most house for your income level and by far has the most lenient qualifying standards. Contact us today to see how this loan program has helped many families in the past, purchase their dream home.
USDA Loans
The Rural Housing Dept. has created a program that provides a zero-down-payment loan for people over a 581 credit score, to purchase a home in the designated areas. If you have a 581 or higher credit score, Contact us to find out how this zero-down payment loan has helped many before you.
Down Payment Assistance for Home Loans
The State of Texas has programs that provide money to home buyers, to assist with their down payments and other closing costs. These programs can be combined with loan programs to get you into a home. If you are ready to buy a home but do not have any money saved up, we can help you. Contact us today to learn more.