I am also a Certified Texas First-Time Home Buyer Specialist. This means if you are a first-time home buyer, veteran, or home buyer that has not owned a home within 3 years. The "My First Texas Home Program" could provide down payment and closing cost assistance up to 5% of the sales price, expanded low-rate mortgage loan opportunities which include government and conventional 30-year fixed rate mortgage options, and a direct mortgage tax credit up to $2,000 on your individual tax return (dollar-for-dollar) on a qualifying mortgage over the life of the mortgage. More information can be obtained from the Texas Department of Housing and Community Affairs Website. Contact me to find out if you qualify.