First-time buyer hub

Your first home is closer than they told you

With an ITIN or a social, with perfect credit or credit in progress — there's a path. Everything you need to start is here, free and in your language.

Rent → home calculator

What you pay in rent is already a mortgage

Your rent today

$1,800/mo

Educational estimate: total payment (principal, interest, taxes, insurance) equal to your rent, at a 6.5% reference rate and 5% down. Not a pre-approval.

You could buy a home worth up to

$264,000

5% down (approx.)$13,200
With TSAHC help it could drop to$0*

The 3 paths

Programs that exist and almost nobody explains

🪪 ITIN loans

No social security needed: 2 years of ITIN tax returns + 10-20% down. Your home builds family wealth from day one.

🤝 TSAHC down-payment help

Texas has programs that grant or interest-free-loan part of your down payment if you income-qualify. Teachers, officers and medical staff get extra programs.

📈 FHA from 3.5% down

The classic first-timer loan: low down payment and flexible credit requirements (from ~580). Stackable with TSAHC.

📖 Read the full guide (free)

Monthly seminar · free · in Spanish

"How to buy your first home in Houston"

One hour, no sales pitch, no embarrassment: how the process works, what you really need, ITIN, credit, and the costliest mistakes. Limited seats — join the list and I'll send you the next date.

Frequently asked

Every first-timer's questions

Can I buy a home without a social security number, just an ITIN?
Yes. With an ITIN (the number you use to file taxes) you can buy a home in Texas. ITIN loans usually require 10-20% down and 2 years of tax returns. I work with lenders who close them every day.
What is TSAHC and how does it help with my down payment?
The Texas State Affordable Housing Corporation provides down-payment assistance (grants or forgivable second liens) to income-qualified buyers. Combined with an FHA loan, it can drastically cut what you need saved.
How long does buying my first home take?
From pre-approval to closing, typically 30-45 days. What takes longest is the part before: getting documents and credit in order. That's why starting the conversation months before you want to move pays off — it's free and gets you ready.
My credit isn't perfect. Do I have options?
Almost always yes. FHA accepts scores from ~580, and there are strategies to raise your score within months. The worst that happens in a free consult is you leave with a plan.

Let's talk today

The biggest decision of your life deserves someone who explains all of it.

A 15-minute call, no strings attached. In English or Spanish — your call.

📅 Book my call WhatsApp me
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