Make Your First Home Purchase Feel Simple—Not Stressful
Buying your first home in Texas can feel overwhelming—but the right mortgage can make it much easier. Our first-time homebuyer mortgage loans are designed to help Texas buyers qualify with low down payment options, flexible credit criteria, and step-by-step guidance from application to closing.
Explore first-time homebuyer loan programs built to reduce upfront barriers and help you move forward with confidence—whether you’re just starting to look or ready to apply.
Your new home may be closer than you think
For many first-time homebuyers, saving enough for a down payment and closing costs can feel impossible. With loans designed to make homeownership more affordable, our programs help put homeownership within reach.
Home Buying Made More Affordable
Homeownership is even more affordable with first-time buyer programs that let you choose between no origination fees and no closing costs.Down Payment Options as Low as 3%
Texans CU's fixed-rate New Beginnings mortgage loan is available to first-time homebuyers for as little as 3% down.More Purchase Power For Your Home
Get more home for your money with first-time buyer programs that offer up to 105% financing and up to 30 year mortgage terms.Why Choose Our First-Time Homebuyer Mortgage Loans?
First-time buyers often want clarity and confidence—not jargon. Our team helps you compare options, understand your budget, and move forward at a pace that works for you.
What you can expect
- Guidance through your loan options and next steps
- Help estimating affordability and monthly payments
- A clear explanation of the documents you'll need
- Support from application through closing
David Conary
Mortgage Loan Originator
NMLS ID #536127
972.348.2113
David_Conary@texanscu.org
Michael Lee
Mortgage Loan Originator
NMLS ID #231184
972.348.2253
Michael_Lee@texanscu.org
Ryan Pratt
Mortgage Loan Originator
NMLS ID #968804
972.348.2041
Ryan_Pratt@texanscu.org
Leticia Ramos
Mortgage Loan Originator
NMLS ID #218180
972.348.2024
Leticia_Ramos@texanscu.org
Membership required. Federally insured by NCUA.
This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z.
Texans mortgage lending is restricted to property in Texas. Loans are subject to credit and property approval, other terms and conditions apply. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Lot size less than 10 acres. Condominiums and Manufactured homes are not eligible. Consumer purposes only. Texans Credit Union NMLS #530654.
To qualify as a first time home buyer, you cannot have any home ownership interest in the past 3 years. An escrow account for taxes and insurance is required. Under certain circumstances, private mortgage insurance (PMI) may be required. Minimum loan amount is $150,000. Products, rates, terms and conditions are subject to change without notice; other restrictions may apply.
