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First-Time Buyer, Rural and Veterans Programs
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We will help you.
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.
FROM GOOGLE: We are first time home owners, thanks to Joan and his team at Clear Lending. I may add his assistant Patricia A. was very pleasant to work with and very attentive. Our house hunting journey was painless, smooth, and actually quick. How quick… in 29 days we went from looking at 10 houses (in one day), we were serious about buying a house. Joan provided potential houses for us in the area we wanted and we did our homework in reviewing and narrowing it down to 10. From looking at different houses to the closing date, I can stay Joan was very much hands on through the whole process. My husband dealt with Joan primarily, but I could see how Joan was there for us. When we had questions at any given time, we could asked, he was always available and responsive. As first time home buyers we had lots of questions and Joan didn’t minimize our questions. Joan is very knowledgeable in his line of work, I can honestly say that. He always kept us informed of what was going on behind the scenes, so we felt at ease. Thanks to Joan, we were able to obtain a good low mortgage rate. Obtain a HOUSE, we are happy and thankful to call our own! My husband actually found Clear Lending online and we couldn’t believe the reviews, it sounded too good to be true. Take it from us, it’s true, we have experienced ourselves. We are thankful to Joan for his dedication, sincerity, knowledge, and guidance. Joan was truly a blessing for us. We would truly recommend Joan and his team at Clear Lending. God bless you Joan. Migdia
Thanks Joan, Patricia and Jorge for helping us to buy our first home. You all are kind, knowledgeable and very professional. Even thgough we were referred to you guys and so we were told you were amazing, my husband and I are happy to confirm you are everything our friends already told us about working with Clear Lending. We will use you again for an investment house we have soon in mind. Thanks again for your hard work.
Great lender!!! Joan helped my family close on time and secure a great mortgage rate. Thank you!
