• As a first time home owner , one of the most important things you need to consider is getting educating on the complete process. By complete process, we mean; how to get approved for a home loan and which programs are available to you, which loan office will best benefit you financially, what type of home to look for in your budget, how to submit and negotiate offers, how you are protected with contracts, appraisals, who inspects your homes and so much more. 
  • Your REALTOR is not your sales agent. Here at DTM REALTOR Group, we have a 100% no pressure or obligation policy. Think of a REALTOR as your personal assistant and/or a real estate consultant.
  • REALTOR services are 100% FREE, and we will hand your our COMMITMENT LETTER once we have a chance to meet. ( if you would like a copy now, just ask )
  • You will get TRUE complete access to the local MLS, where see exactly what we see as a licensed REALTOR. Have you been searching on popular sites like; Zillow, Trulia, realtor dot com  and others. Those guys are not licensed real estate brokers and use their sites as an advertising and marketing platform for realtors. Info is not accurate, nor are the "Zestimates " smh 


 







 Down Payment Assistance 
TSAHC provides low, fixed-rate home mortgage loans to help Texas Heroes purchase a home. TSAHC also provides teachers with a grant to help with down payment assistance and closing costs.
  • A 30-year fixed interest rate mortgage loan
  • Net DPA, meaning no upfront points or fees taken out of assistance
  • Net 3%, 4%, or 5% in down payment assistance that does not need to be repaid
  • You do not need to be a first-time homebuyer
  • Offical Texas Hero  Site.com


Who Qualifies 
                     Many can qualify :
   - Any occupation 1st Time Home Buyers
   - Any occupation 2nd Time Home Buyers ( call for more info )
   -Teachers ( you can be a second time home buyer )
   -Police officers ( you can be a second time home buyer )
   -Correctional officers ( you can be a second time home buyer )
   -Fire fighters ( you can be a second time home buyer )
   -EMS ( you can be a second time home buyer )
   -Veterans ( you can be a second time home buyer )


Basic Requirements 
To qualify home owner must have:
  - Minimum FICO score of 620 or greater
  - Currently Employed in the Industry
  - Current Pay Check Stubs
  - 3 year tax returns
  - Bank Statments
  - State / Government Issued I.D.
  - DTI Requirements *
 
** if credit score is an issue, we have free credit consultations to help raise scores. **


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