Over the course of the last 20 years, I have heard from so many people who thought they would never be able to buy a house.  The truth is, it is easier than you think.  There are so many good loan programs out there that enable first time buyer's a chance at home ownership.


Many first time buyer's are under the impression that they must have 20% down, that is not the case.  With programs such as USDA, potential home buyer's can get into a home with no money down.  In addition, these programs allows us to roll the closing cost's into the loan.  If you have a credit score of 620 or better, and been employed in the same line of work for 2 years, this is a great program for you.


Another loan program that we frequently use is FHA.  FHA loans can be done with 3 1/2% down.  This program also allows the buyer to roll some closing costs into the loan.  Ideally, credit score should be above 620, but we have seen people with 580+ get approved.  


If you think you fit into either of these categories and are ready to get into you own home, give us a call!


Lori Crocker

Texas Real Estate Sales

1906 Hwy 281 S.

Lampasas, Texas 76550

Cell:     512-734-4712

office: 512-556-9090