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First-Time Buyer, Rural and Veterans Programs
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Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
Are you ready to buy your dream home but still missing enough savings for a down payment? We can help!
So, you make the income, can afford the monthly payment, have saved some money, but need help with down payment and closing costs?
You are in the right place. Clear Lending can help you obtain Down Payment Assistance regardless of whether you are a First Time Home Buyer or not!
The Down Payment Assistance Program provides the maximum amount of up to $30,000. Funds can be used toward your down payment and reasonable closing costs. Under this program, you would be able to choose amongst a 30-year fixed-rate FHA, VA, USDA, and Conventional mortgage loan, whichever you can qualify. In case you wonder about the mortgage loan you would be getting, there is no pre-payment penalty or federal recapture tax for the mortgage loan.
Please note currently Clear Lending offers this program only in the following counties:
- Harris County
Another essential requirement to obtain our Down Payment Assistance Program is that it requires our preferred real estate office from HoustonDesignHomes.com to negotiate the purchase and, thus, the contract of the chosen house. This process requires a non-refundable application fee of $590.00 to the real estate company.
Our preferred agents are experienced Texas Real Estate Commission Licensed Sales Agents knowledgeable about the entire process. From the home search process to complete purchase contract documents, inspection, and closing, our agents will guide you, giving peace of mind for a successful experience. Once you apply online will provide you with a detailed explanation about the process.
The following are some essential details about the Down Payment Assistance Program:
- First Time Homebuyer or lost a house during Harvey hurricane requirement.
- Non-Occupant Borrowers are OK.
- Property types can only be 1-4 Single Family Residence, Townhouse/Condo.
- Minimum FICO Score of 580+ for the FHA and case by case basis 500+ VA mortgage loans.
- Minimum FICO Score of 620+ for the USDA and Conventional mortgage loans.
- Borrowers will need to meet maximum Program Income Limits.
- Complete online Homebuyer Education Class. The class must be completed before you purchase your home.
Do not wait any longer, and let's start the process to buy your dream home and apply for Down Payment Assistance.
If you need more information about Down Payment Assistance Programs in Houston, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.
Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.
It is more than a pleasure to write this review in recognition to a work masterly well done by Joan Gallardo and his assistant Patricia Aparicio. We would be forever thankful because of them working as a knowledgeable team made our dream to own our first HOME became a marvelous reality. Now we as a family are enjoying to have our own place to live in. The road was not easy but they never gave up always giving and looking for options to take our process to end up with a happy ending and they actually did. Mission accomplished, thank you again, Joan and Patricia !!!! We definitely recommend Joan and his team at Clear Lending to anyone who really WANTS to have and live in their own houses. Lyda and Juan
Hola a todas aquella personas que siguen de cerca Clear lending houston tx. Primeramente decirles que no sientan miedo de tomar una decisión y acercarse para buscar información. Se que para muchos piensan que la compra de casa es un gran problema o un proceso tedioso, Yo también pensé lo mismo pero nada les puedo decir que desde que llegue a la oficina de clear lending donde fui bien recibido ya sabia que formaba parte de la gran familia que es clear lending por la buena atención el ambiente positivo y donde se respiraba aires de logro. Tambien les puedo decir que la profesionalidad y el conocimientos de estas personas hacen que este largo proceso sea menos pesado y mas agradable. Cuando existen personas que conocen lo que estan haciendo hacen los procesos mas faciles, les digo asi porque no solo es yo quiero tal casa o otra. Les digo que no, a lo largo de este proceso es donde comienzas a encontrar lo que quieres aprendes de varios tips que son proporcionados por un gran agente que es Joan gracias a su conocimiento y sus consejos logre obtener la casa que no pensé tener. Independientemente de pensar en mi presupuesto y mis posibilidades la ayuda suya fue muy importante para mi decisión final logrando cumplir este gran sueño.
I cannot put into words how strongly we feel about your dedication to meeting OUR needs. Your professionalism, courtesy, follow through, creativeness, and ‘can do’ attitude combine to create a very special package. Thanks Joan!!!
