Forget everything you THINK you know about buying a home. It is possible to buy a home with $0 down and have effectively below-market interest rates for eligible homebuyers!Do NOT disqualify yourself from homeownership – many people think this is too good to be true, but it isn’t and we try to help as many families as we possibly can every month use these programs to achieve homeownership.
Let us help you discover quickly and easily whether or not you can achieve homeownership with very little cash out of pocket. There is no reason to go anywhere else and waste time researching on your own, stay here to get accurate information and respect your own time.
In Texas at any point in time there are 100,000+ homes for sale that you could purchase for $0 down.
Most homebuyers AND real estate agents are not aware that about half of households are eligible to purchase with down payment assistance programs that can enable $0 down. This is not ‘too good to be true’, and when you work with an expert on these programs are not difficult to use to help you achieve homeownership! We MUST work together closely with your real estate agent as a team, it is NOT optional, they will need precise numbers to structure your sales contract properly and it isn’t their role to know how to do these pieces – most licensed loan officers are unaware and/or unable to do these loans.
FHA Example – Purchasing a $300,000 home in Texas
You still need cash for these reasons BEFORE GOING HOUSE HUNTING:
HOW TO QUALIFY
REQUIRED DOCUMENTATION (Assumes W2 employee)
TYPES OF DOWN PAYMENT ASSISTANCE:
WHY DON’T MORE LENDERS OFFER THESE PROGRAMS?
The lender makes significantly less money offering these DPA loans – almost HALF – it is a specialty program – we specifically connect to TDHCA and TSAHC which have far superior terms compared to other national options, and they are not limited to specific cities (the vast majority of home buyers will not qualify for the city-specific programs)
Most loan officers do not have a strong foundation on the basic loan types, let alone specialty loan types, especially if they will be making much less money on these types of loans they’re literally not incentivized to offer them or learn about them
They are extremely complicated – most loan officers are too inexperienced or have not been trained on these programs to be able to offer them. It requires a very high accuracy level for income calculation in ways that normal loan programs don’t necessarily follow, and with lots of other rules and pitfalls, and it takes strong math and estimation skills to do this properly
1) Apply securely on our portal – it does NOT automatically pull credit – CLICK HERE
2) Upload all of your income documentation – it may take 1-2 business days to verify eligibility for the various programs
3) Book a call on the calendar below at least 1-2 business days out from when you upload the documentation – we can go over options that you ACTUALLY seem to qualify for and complete the pre-approval
4) Obtain a credit report so we can validate data and finalize your pre-approval – CLICK HERE
5) Shop for a home!
Madison White
Trustindex verifies that the original source of the review is Google.
Working with Garrett was great! He took the time to understand our goals, and answered every question we had. Thank you, Garrett!
Stephanie Lawrence
Trustindex verifies that the original source of the review is Google.
We are first time homebuyers and Garrett and his team have been amazing! He's communicated with us every step of the way. We have always been in the know and the process has been seamless. I would highly recommend Garrett and his team!
Debbie Garza
Trustindex verifies that the original source of the review is Google.
Garrett has been a delight to work with, very knowledgeable!
Everick Tracy
Trustindex verifies that the original source of the review is Google.
When I first heard from my guy I didn’t believe at first, but after I got off the phone I started to believe and boy did he prove me wrong this guy and his team worked a miracle cause my situation was not easy. Long story short he his and team. Got it done and I am the happiest man on earth. This was very difficult cause I’m a 1099 worker and these to my knowledge are difficult for banks to approve. My guy worked his behind off and got it done thank you and your team so much. If you need mortgage assistance please call him and his team. You will not be disappointed
Andrea Hernandez
Trustindex verifies that the original source of the review is Google.
As first-time home buyers, we were honestly pretty nervous going into the process, but working with Garrett completely changed that experience for us. From the very beginning, Garrett made us feel comfortable, supported, and confident in every step we were taking. He took the time to explain everything clearly, never made us feel rushed, and always made sure we truly understood our options.
His communication was truly 10/10. No matter when we had a question or concern, he responded quickly and was always patient, kind, and willing to help. That level of attentiveness made such a huge difference for us during a process that can feel overwhelming.
What really stood out was how much he genuinely cared. He wasn’t just doing his job — he was making sure we felt informed, comfortable, and taken care of the entire time. Thanks to his knowledge, efficiency, and constant support, what could have been a stressful experience turned into an exciting and smooth journey into our first home.
We are so grateful for everything he did for us and truly could not recommend him more highly. If you’re looking for someone who is knowledgeable, responsive, and genuinely invested in helping you succeed, he is absolutely the person you want on your team.
Carey Sisson
Trustindex verifies that the original source of the review is Google.
Working with Garrett was a standout experience. He communicated clearly and consistently, stayed ahead of deadlines, and handled the transaction with precision and professionalism. What truly sets Garrett apart is the way he treats his clients—with care, transparency, and a level of service that mirrors the legendary standard I aim to deliver as a Realtor. The process was smooth, efficient, and stress-free from start to finish. I would confidently recommend Garrett to clients and colleagues alike.
Abiel Rodriguez
Trustindex verifies that the original source of the review is Google.
Most people I’ve met will say the home buying process is stressful or difficult or just plain out a headache but I’m glad to say I’m of the few that didn’t feel that way throughout the entire process, I had an amazing realtor and honestly the best damn mortgage person I could have asked for. Garrett was beyond transparent and knowledgeable. He was always timely on everything he did and worked hand in hand with my realtor despite not knowing her. I always got crazy looks when I told people that I found my mortgage person through tik tok but it’s 2026, TikTok is the best form of marketing and I’m more than glad he popped up on my feed. He explained how the entire process works and how much I would come out of pocket depending on which plan my wife and I chose. Garrett! Thank you for all you did for my family and for being able to put me into my beautiful home. You deserve everything that comes to you and more! ⭐️⭐️⭐️⭐️⭐️ next home I buy I’m without a doubt going through Garrett, keep it up man!
Gunther Hochapfel
Trustindex verifies that the original source of the review is Google.
Garret is very resourceful and knowledgeable in his field of work. It was great working with him and I will work with him in the future.
Miroslava Aguilera
Trustindex verifies that the original source of the review is Google.
Found Garrett on tiktok and decided to reach out to him as i was thinking of buying a home but wanted to understand the loan process, my buying power and what my monthly payment would look like. He was able to break everything down for me so i felt comfortable buying knowing my budget, and what i’d spend monthly on my mortgage
