Is home ownership – or an upgrade – on your holiday wish list? Let’s make your wish come true! Mortgage rates are at favorable levels and San Antonio still has affordable homes – even in this hot market.

And if you need financial assistance, help is available. Homebuying-assistance programs at the local, state and federal level make home ownership accessible for more buyers. This could be in the form of low- or no-interest loans, help with closing costs or even mortgages that don’t require a down payment.

Assistance programs are available for a variety of qualifying buyers, such as first-time buyers or low-income buyers. And there are even programs available for specific types of homes. If you don’t qualify for one program, you may meet the criteria for another. When you decide to buy your next home, the best first step is to talk to a San Antonio Realtor – like me! I have the latest information about assistance programs and their eligibility requirements, and I know about any changes to existing programs.

Here are a few examples of homebuyer-assistance programs in Texas that you may not know about.

Get rewarded for doing your job
In Texas, homebuyer programs are available to certain professionals including educators, law-enforcement officers, fire fighters and military veterans. In addition, some Texas cities and counties have partnered with local employers to offer housing incentives for employees who buy a home within the city or county limits.

The property itself may qualify
Some homes meet eligibility requirements for certain state or federal assistance programs. For instance, the U.S. Department of Agriculture has a program to encourage development in rural communities. Or, if you’re willing to put some work into a home, the property may qualify for the U.S. Department of Housing and Urban Development’s rehab program for properties in need of repair or updating.

Where to start
When you’re ready to make a move toward home ownership, I can help you find which programs you may qualify for.

Let’s get started!

Pictured above: 310 Country Lane in Northwood features two living areas, four bedrooms, two and a half baths and an eat-in kitchen. Plenty of built-ins and great closet space. The bathrooms are vintage and in great shape! A covered patio awaits you through glass doors, leading to a beautiful, big back yard. Listed by my Nix Realty Company colleague Molly Wilkes. Let’s go see it!