Texas Homebuyer Plan:
Compare 1% Down, FHA, VA,
and Jumbo in One Call
Texas Homebuyer Plan:Compare 1% Down, FHA, VA,
and Jumbo in One Call
Statewide coverage including Dallas–Fort Worth.
Get a quick payment breakdown, estimated total cash-to-close,
and a clean path to approval. No obligation.
Texas-wide
DFW focus, statewide lending
Local Expertise
DFW comps, incentives, and programs
Fast Options
Payment & cash-to-close clarity
1% Down Conventional
Only 1% down required from you (lender covers the rest!). Great for rent-vs-buy. Eligibility based on income and property limits; minimum FICO and MI apply.
FHA Financing
Flexible credit/DTI standards, requiring only 3.5% down. Popular for first-time buyers. Gift funds are OK. Ask about competitive payments with buydown options.
VA Loans
Exclusive for Veterans/Service Members. Offers $0 down potential and no monthly Mortgage Insurance (MI). Highly favorable for Seller Credits to cover closing costs.
Jumbo Guidance
For loans above conventional limits. Get rate/term clarity and expert asset/reserve coaching. Custom Bridge/HELOAN strategies available on request.
Access 1% Down, FHA, VA, and
Jumbo Options in One Expert Call.
1% Down Conventional
For eligible borrowers; ask about income and property limits
Lower upfront cash
Minimum FICO & MI apply
Great for rent-vs-buy
FHA
Flexible credit and DTI; 3.5% minimum down.
Popular for first-time buyers
Competitive payments with buydowns
Gift funds OK
VA
For eligible Veterans and Service Members.
$0 down potential
No monthly MI
Seller credit friendly
Jumbo
High-balance financing with strong guidance.
Rate and term clarity
Asset & reserve coaching
Bridge/HELOAN strategy on request
What to Have
Ready
Rough income, monthly debts, and target payment
ZIP or city you’re buying in; HOA estimate if known
Any special program interests (1% down, VA, etc.)
What to Have Ready
Rough income, monthly debts, and target payment
ZIP or city you’re buying in; HOA estimate if known
Any special program interests (1% down, VA, etc.)
Testimonials
“Payment clarity in 15 minutes.”
“Veteran-friendly.”
“Jumbo made simple.”
We were renting in Arlington. Alvin broke down FHA vs. 1% down and showed a 2-1 buydown option. We made a confident offer the next day.
As a Veteran, I appreciated the straight talk on VA and seller credits. We closed with $0 down and no monthly MI.
The team explained reserves, assets, and appraisal expectations. No surprises.
“Payment clarity in 15 minutes.”
“Veteran-friendly.”
“Jumbo made simple.”
We were renting in Arlington. Alvin broke down FHA vs. 1% down and showed a 2-1 buydown option. We made a confident offer the next day.
As a Veteran, I appreciated the straight talk on VA and seller credits. We closed with $0 down and no monthly MI.
The team explained reserves, assets, and appraisal expectations. No surprises.
Testimonials
“Payment clarity in 15 minutes.”
“Veteran-friendly.”
“Jumbo made simple.”
We were renting in Arlington. Alvin broke down FHA vs. 1% down and showed a 2-1 buydown option. We made a confident offer the next day.
As a Veteran, I appreciated the straight talk on VA and seller credits. We closed with $0 down and no monthly MI.
The team explained reserves, assets, and appraisal expectations. No surprises.
“Payment clarity in 15 minutes.”
“Veteran-friendly.”
“Jumbo made simple.”
We were renting in Arlington. Alvin broke down FHA vs. 1% down and showed a 2-1 buydown option. We made a confident offer the next day.
As a Veteran, I appreciated the straight talk on VA and seller credits. We closed with $0 down and no monthly MI.
The team explained reserves, assets, and appraisal expectations. No surprises.
Frequently Asked Questions
Does 1% down apply everywhere in Texas?
Eligibility depends on program availability, income/property limits, and other factors. We’ll confirm during your call.
Will booking a call affect my credit?
No. Discussion and estimates do not by themselves trigger credit pulls. If you choose to proceed, we’ll guide you clearly.
Can I use down-payment assistance?
Potentially. Availability varies by county, income, and credit. We’ll outline options for your situation.
Do you work with agents?
Yes—co-branded support with Homes by Ransom A for strategy, comps, and offer structuring in DFW and beyond.
How long does the loan process actually take?
Once approved, we aim to close most Conventional, FHA, and VA loans in 30 days or less. Our fast options process is designed to minimize delays and close on time.
Ready to Compare Programs and
Get Approved?
Stop waiting and start planning. Click below to choose a 30-minute time slot on the next page. We'll send a brief "Pre-Call Checklist" so we can maximize your time and give you a confident path to loan approval. You'll leave the call with a clear plan for buying your Texas home.
Equal Housing Lender
© 2025 HomeSearch Funding LLC. Corp NMLS #2092254. Alvin Ransom, NMLS #1666896. Texas loans only. Programs subject to change; not a commitment to lend. All loans subject to credit approval, underwriting, and property conditions. Rates, terms, and program eligibility vary by borrower profile and location. This page is for informational purposes only.
Co-branded with Homes by Ransom A. For licensing, privacy policy, and disclosures, contact us or visit our website.