Programs for first-time and primary home buyers.
FHA, Conventional, VA, USDA, and Texas down-payment assistance — built for families buying their primary home.
Three doors into your first Texas home.
The right first-time-buyer program depends on credit profile, military status, and how much cash you have to bring to closing. We map the file across all three before recommending one.
The four core programs for Texas primary buyers.
Most Texas primary-residence purchases close on one of these four programs. We compare all of them on every file before recommending a structure.
Conventional Loans
Best for buyers with 3–20% down and standard credit.
Learn moreJumbo Loans
Best for higher-priced Texas homes above the conforming limit.
Learn moreFHA Loans
Best for first-time buyers with lower down payment and 580+ FICO.
Learn moreVA Loans
Best for veterans and active military — zero down with VA entitlement.
Learn more
When standard programs do not fit your profile.
Profession-specific and documentation-flexible primary-buyer programs for Texas families conventional underwriting cannot serve cleanly.
USDA Loans
Zero down for rural and select suburban Texas buyers in eligible areas.
Learn moreMedical Professional
For MDs, DOs, DDS, DMD — up to 100% LTV, no PMI, IBR-friendly.
Learn moreITIN Loans
For Texas borrowers without SSN but with valid ITIN and tax history.
Learn moreTip Worker Loans
For service-industry workers qualifying on real bank-deposit income.
Learn more
Three steps from inquiry to keys.
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Step 01
Get pre-qualified
Fast pre-qualification and pre-approval review, with clear next steps. No FICO ding, no commitment.
Start pre-approval -
Step 02
Find your home
Shop with a pre-approval listing agents respect. We coordinate with a Q-partner agent if you do not already have one.
Talk to a Q broker -
Step 03
Close confidently
Clean conditions list. TRID-compliant timeline. You know what is outstanding at every stage.
See our SLAs
Ready to start your Texas mortgage?
Fast pre-qualification and pre-approval review, with clear next steps. Free home valuation, no signup required. We will tell you yes, no, or here is what we need to make it work.