First-Time Homebuyer Loans
Step-by-step guidance, education, and program matching designed for buyers purchasing their first home in Texas.
- Low down payment options
- Credit-building strategies
- Education throughout
The right loan for every chapter.
Ana works with a full range of mortgage programs to match your goals, credit profile, and financial picture — not the other way around.
FHA Loans
Government-backed loans with flexible credit requirements and down payments as low as 3.5%.
- From 3.5% down
- Flexible credit
- Gift funds allowed
VA Loans
Exclusive benefits for active military, veterans, and qualifying spouses — including zero down financing.
- 0% down
- No PMI
- Competitive rates
Conventional Loans
Competitive rates and flexible terms for buyers with strong credit looking for traditional financing.
- From 3% down
- No upfront MI
- Fixed or ARM
Investment Property Loans
Financing for single-family rentals and small multi-units to help you build wealth through real estate.
- 1-4 unit properties
- DSCR options
- Portfolio growth
Down Payment Assistance
Texas-specific grants and bond programs that bridge the gap to homeownership for qualifying buyers.
- TSAHC & TDHCA programs
- Grant & bond options
- Forgivable structures
Self-Employed Programs
Bank statement and alternative documentation loans for business owners, 1099 earners, and entrepreneurs.
- Bank statement loans
- 1099 income programs
- Asset-based options
Not sure which program is right for you?
Ana will match you with the program that fits your goals, your timeline, and your budget — at no cost.
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