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Powerful Resources

Client Guidance & Support

FIRST-TIME BUYERS

TDHCA Homebuyer Program ➔ Texas program hub for down payment help, low-interest mortgage options, eligibility screening, and homebuyer education.

TSAHC Home Buyer Programs ➔ Texas State Affordable Housing Corporation program page for 30-year fixed-rate loans, down payment assistance, and mortgage credit certificate options.

TSAHC Down Payment Assistance ➔ useful when you want a direct page focused on down payment and closing-cost assistance.

TSAHC Mortgage Credit Certificates➔ helpful for buyers who may qualify for an MCC tax credit.

CFPB: Get a preapproval letter ➔ explains what preapproval is, why sellers ask for it, and why it is not a guaranteed loan offer.

CFPB: Loan Estimate explainer ➔ breaks down the Loan Estimate so buyers can understand costs and compare lenders.

CFPB: Closing Disclosure explainer ➔ helps buyers review final terms; lenders must provide it at least 3 business days before closing.

Fannie Mae HomeView ➔ free certificate course that aligns with national pre-purchase education standards and fulfills education requirements for most mortgage products.

Freddie Mac CreditSmart Homebuyer U ➔ free self-paced course that can satisfy education requirements for select Freddie Mac mortgage products.

HUD Housing Counselor Search ➔ search for a HUD-participating housing counseling agency.

Texas Comptroller: Residence Homestead Exemptions ➔ important after closing on a primary residence because a qualifying homestead exemption can reduce taxable value.

MOVE-UP BUYERS

IRS: Sale of your home ➔ explains the federal home-sale gain exclusion of up to $250,000, or up to $500,000 for many married joint filers who qualify.

CFPB: Request and review multiple Loan Estimates ➔ useful for comparing lenders early; once the six required pieces of information are submitted, each lender must send a Loan Estimate within 3 business days.

CFPB: Compare and negotiate your loan offers ➔ helps move-up buyers compare real monthly cost, rate, mortgage insurance, and lender differences.

CFPB: Closing Disclosure explainer ➔ especially useful when coordinating sale and purchase timing because the final disclosure must arrive at least 3 business days before closing.

Texas Comptroller: Residence Homestead Exemptions ➔ important when moving from one principal residence to another, since a qualifying homestead exemption can lower taxes on the new primary home.

Texas Department of Insurance: Flood insurance ➔ critical for budgeting because most home insurance policies do not cover flood damage.

Texas Department of Insurance: Owner’s Policy ➔ explains owner’s title insurance and how it protects against covered ownership problems from before the purchase.

TDHCA My Choice Texas Home brochure ➔ helpful for repeat buyers, because it states that down payment and closing-cost assistance is available for repeat homebuyers.

RELOCATING BUYERS

TxDMV: New to Texas  ➔ good relocation checklist; Texas says new residents have 30 days from moving here to register their vehicle.

DPS: Moving to Texas guide for driver licenses and IDs ➔ useful for timeline planning; DPS says many new residents can legally drive with a valid out-of-state license for up to 90 days after moving to Texas.

DPS: Apply for a Texas driver license ➔ best document checklist page for new residents, including residency, identity, registration, and insurance requirements.

FCC National Broadband Map ➔ helpful for checking address-level internet availability before choosing an area.

TXschools.gov ➔ TEA’s school report card and accountability site for district and campus research.Texas Comptroller:

Residence Homestead Exemptions ➔ useful once the buyer occupies the property as a principal residence and wants to understand tax relief options.

Texas Department of Insurance: Flood insurance ➔ important for area comparison because flood exposure can materially affect monthly housing cost.

Texas Department of Insurance: Owner’s Policy ➔ strong relocation resource for buyers who want to understand title protection in a new market.

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