We are approved by the U. S. Department of Housing and Urban Development (HUD) to provide counseling, education and advice in housing issues to new and existing homeowners.

Also known as the American Dream Downpayment Initiative, this program provides first-time homebuyers with assistance in covering the up-front costs of purchasing a home. Help is available as a second or third mortgage with zero percent interest and a 10-year term. The loan's payments are deferred, and the entire loan may be forgiven after 10 years of residency. If the borrower sells or refinances the home within 10 years, the loan must be repaid at that time, prorated for the length of the time spent in the home.

This program is for homeowners whose primary residences are in need of critical repairs. Assistance must enable the home to be brought up to Texas Minimum Construction Standards. If the home is not repairable, funds may be used to replace it.