FHA Loan (3.5% Down)

• Ideal for first-time buyers or those with lower credit scores.

• Minimum down payment: 3.5% of the home’s price.

• Requires mortgage insurance (PMI), which adds to your monthly payment.

Conventional Loan (3-20% Down)

• Best for buyers with strong credit.

• Minimum down payment: 3% (some programs), but 5-20% is more common to avoid PMI.

• More flexibility with loan terms and potentially lower long-term costs.

VA Loan (0% Down)

• Exclusive to eligible veterans and active military members.

• No down payment required—just cover closing costs!

• No PMI, which helps keep monthly payments lower.

DACA & ITIN Buyers

• If you don’t have a Social Security Number, you may qualify for loans using an ITIN (Individual Taxpayer Identification Number).

• Typical down payment: 10-20%, but some programs allow for less.

• Loan options exist—let’s find the best one for you!

Here’s a look at what a monthly mortgage payment could look like for homes currently on the market. These estimates include Principal & Interest (P&I), Taxes, and HOA (if applicable).

This information applies to the homes below:

Rates: 6.95% • PMI: $200 • DP: 3.5% • Home Insurance: $66

5732 Giddyup Lane, Fort Worth, TX 76179

• Price: $235,000

• Estimated Monthly Payment:$2,326

• HOA: $126

• Taxes: $433

• P&I: $1,501

6924 Sunnybank Drive, Fort Worth, TX 76137

• Price: $269,900

• Estimated Monthly Payment:$2,290

• HOA: N/A

• Taxes: $300

• P&I: $1,724

📌 Important: Home prices, taxes, and interest rates change frequently. These numbers are just for reference—let’s run the actual numbers based on your situation!

Curious about what your homeownership costs might look like? Every buyer's situation is different, and here’s how I can help you:

✔ Explore loan options tailored to your budget, credit score, and long-term goals.
✔ Break down your estimated monthly payments so you know what to expect before making a move.
✔ Find homes that match your price range while ensuring you get the most value for your money.
✔ Help you navigate lender requirements, closing costs, and down payment assistance programs that may be available to you.
✔ Answer any questions you have about the process, whether you're ready to buy now or just planning for the future.

Let’s create a game plan and get you one step closer to owning your home!

📩 Schedule a consultation today or simply send me a text at (817) 876-3390.