USEFUL LINKS:

List of all Property Tax Jurisdictions, with the Homestead Exemptions detailed:    

https://hcad.org/search/jurisdictions/

Web site for ordering HOA documents:

https://www.homewisedocs.com/home

HomeBuyer Assistance Programs:

  •  The Texas State Affordable Housing Corporation (TSAHC) provides down payment assistance and mortgage loans to eligible home buyers through the following programs:

https://www.tsahc.org/landing/home-down-payment-assistance?gclid=EAIaIQobChMI5orS2qay4QIVYf7jBx3l5wkGEAAYASAAEgK4MfD_BwE

  • The City of Baytown offers up to $9,000 in down payment assistance to income-qualified residents:

https://www.baytown.org/413/First-Time-Homebuyer-Assistance-Program

  • Texas Mortgage Credit Certificate Program:  

https://thetexashomebuyerprogram.com/products/texas-mortgage-credit-certificate-program

  • HUD Home Ownership Assistance Program in Texas:  

https://www.hud.gov/states/texas/homeownership/buyingprgms

  • Freddie Mac Downpayment Assistance Programs:  

https://myhome.freddiemac.com/buying/down-payment-assistance-programs.html

  • National Homebuyers Assistance Fund:  

http://www.nhfloan.org/

  • The Freddie Mac Home Affordable Program - which offers 97% convention loans (3% down payment); and also offers "105%" mortgages:

https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/home-possible

Refinance Assistance Programs:

When you see ALL THOSE ADS on YouTube about "some great program that Congress made available for homeowners who have a mortgage" - these are the programs (and WE CAN provide any of these programs, if you are qualified within the rules of these programs as explained on these sites):  

  • Freddie Mac Enhanced Relief Refinance (FMERR)

https://fmerr.org/?urm_source=google&utm_campaign=harp&gclid=CjwKCAjwhYOFBhBkEiwASF3KGaRwlvtmxKje0AZvW

https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/enhanced-relief-refinance-mortgage

  • Fannie Mae High Loan-to-Value Refinance Option (HIRO)

https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/high-ltv-refinance-option

Medical Debt Relief Program: 

https://ripmedicaldebt.org/