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PRIMARY RESIDENCE

Programs for first-time and primary home buyers.

FHA, Conventional, VA, USDA, and Texas down-payment assistance — built for families buying their primary home.

First-time buyer programs

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.

FHA Loans

3.5% down at 580+ FICO. The most flexible first-time-buyer path.

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Conventional 3% Down

3% down for qualifying first-time buyers — agency standard with PMI.

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VA Loans

Zero down for veterans, active military, and surviving spouses.

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Standard primary residence loans

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.

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Jumbo Loans

Best for higher-priced Texas homes above the conforming limit.

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FHA Loans

Best for first-time buyers with lower down payment and 580+ FICO.

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VA Loans

Best for veterans and active military — zero down with VA entitlement.

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Specialty primary buyer programs

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.

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Medical Professional

For MDs, DOs, DDS, DMD — up to 100% LTV, no PMI, IBR-friendly.

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ITIN Loans

For Texas borrowers without SSN but with valid ITIN and tax history.

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Tip Worker Loans

For service-industry workers qualifying on real bank-deposit income.

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How to start

Three steps from inquiry to keys.

  1. Step 01

    Get pre-qualified

    Soft-pull pre-qualification in under 24 hours. No FICO ding, no commitment.

    Start pre-approval
  2. 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
  3. Step 03

    Close confidently

    Pre-approval in 24 hours. Clean conditions list. TRID-compliant timeline. We close what we approve.

    See our SLAs

Ready to start your Texas mortgage?

Pre-approval in 24 hours. Free home valuation in seconds. We will tell you yes, no, or here is what we need to make it work.

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