First-time Homebuyers

The answer depends on a few key factors: down payment, interest rate, and your debt-to-income ratio. Here’s a general guideline: These numbers assume:✅ 30-year fixed mortgage✅ 6–7% interest rate (current average rates may vary)✅ Debt-to-income ratio under 43% At Trealtorr, we don’t just look at numbers — we look at your full situation. We help … Read more

The $10,000 stimulus grant is a down payment assistance program available to first-time homebuyers in certain areas of Texas. This grant helps cover the upfront costs of purchasing a home, making homeownership more accessible. Where Is It Available? Several cities in Texas offer this grant, including: How Do You Qualify? Eligibility criteria vary by city … Read more

A Welcome Home Grant is designed to help first-time buyers with down payments and closing costs — basically free money to get you into your first home. Here’s what it usually takes to qualify: At Trealtorr, we make this simple. Because we’re both mortgage brokers and realtors, we’ll check your eligibility, guide you through the … Read more

The short answer: it depends on the type of loan and your financial situation — but here’s a general guide: The truth is, credit score is only part of the picture. Lenders also look at your income, debt-to-income ratio, employment history, and the loan programs available — including grants and assistance for first-time buyers. At … Read more

Short answer: sometimes — but it’s not guaranteed. First-time homebuyers often have access to special programs, grants, and loans that can help lower your down payment, closing costs, or even your interest rate. Programs like TSAHC, My First Texas Home, or local city grants sometimes include rate discounts or mortgage assistance that make your monthly … Read more

The short answer: yes — but not the way most people think. When you buy a home, you can’t deduct the actual cost of the house. However, there are some tax benefits you can take advantage of: At Trealtorr, we help you understand all the programs and benefits available so you don’t leave money on … Read more

The truth is, the best program isn’t about the bank! It’s about finding what works for you. And that’s where Trealtorr comes in. Why Trealtorr is Your Best Choice: How We Work With Lenders: We partner with top lenders to give you the best options Rocket Mortgage, Guild Mortgage, PNC Bank, Veterans United, and more. … Read more

Not everyone qualifies as a first-time homebuyer — here’s what can disqualify you: At Trealtorr, we help you figure out exactly where you stand and guide you toward programs you do qualify for, so you don’t waste time or miss out on free money. 📲 Call or text us today at +1 (347) 831-6085 we’ll … Read more

Many Texas cities offer programs that give up to $7,000 (sometimes a little more) to cover down payments and closing costs. The exact rules depend on the city, but usually you need to be a first-time buyer, meet income limits, and sometimes take a short homebuyer education course. The tricky part? Each city’s program is … Read more