Home Keys

First Time Home Buyer Programs

Home Keys

Neighborhood Assistance Corporation of America (NACA)


This program is a great option for those who need to work on their credit score.  NACA walks you through the entire home buying process including pre qualifications.  You are required to attend classes and work on a budget before getting a home.  The process does take a long time; however, the low interest rates may make it worth it.

The benefits of this program includes:

  • No Down Payments

  • No Closing Costs

  • No Fees

  • Low Interest Rates

Texas State Affordable Housing Corporation


This program is a downpayment assistance program where you won’t have to worry about that hefty down payment.  There are two programs: “Homes for Heroes” and “Home Sweet Texas”.  The “Home for Heroes” program is for professions such as educators, police and corrections officers, veterans and active duty military, nursing facility and allied health.  The “Home Sweet Texas” is for all other professions.  I personally used this program to purchase my current home:  I qualified when I was a full-time classroom teacher.

  • No down payment

U.S. Department of Agriculture (USDA) Single Family Housing Direct Home Loans


If you are looking to live in a rural area of Houston.  There are income requirements for this program which can be outlined on their website.

The benefits of this program include:

  • No down payment

  • Low Interest Rates: 3% (June 2022)

  • Extended Mortgages (33 to 38 years)

Houston Home Buying Assistance


This program is specifically for Houston, Texas residents.  It is a down payment assistance program with a forgivable down payment loan.  The loan does not have to be repaid if living in home for 5 years.

This benefits of this program include:

  • Down payment assistance

  • Forgivable down payment assistance loan

Home Partners of America


This program is made for those who are unsure if they want to buy right away.  You are able to rent a home, live in it, get a long term lease of 3 years, and then decide what you would like to do next.

This benefits of this program include:

  • Rent then own

  • Flexible

  • No penalties after lease

Are you considering buying your first home?  Contact me, so I can answer your questions!