Gold Quest Group
Texas home
Texas home buyer programs · Houston lender

All Texans deserve a place to call home.

Find out if you qualify for a home buyer grant in 4 easy steps. Down payment assistance and mortgage tax credits can help you purchase a home anywhere in Texas.

See if you qualify Find out how it works
Up to 5%Down payment assistance
620Minimum credit (gov’t loans)
15%MCC tax credit on interest
30-yrFixed-rate first mortgage

Do you qualify for help buying a home?

Gold Quest Group helps Texas buyers with fixed-rate mortgage loans, down payment assistance grants, and mortgage interest tax credits — through TSAHC’s statewide programs.

Down payment assistance

Grant (no repayment after six months on eligible gov’t loans) or a 3-year deferred forgivable second lien. Choose 2%–5% of the loan amount.

Mortgage Credit Certificate

First-time buyers can stack a 15% federal tax credit on mortgage interest — dollar-for-dollar off taxes, every year you live in the home.

Not just first-time buyers

DPA is open to first-time and repeat buyers who meet income and credit rules. MCC usually needs first-time status (or veteran / targeted area).

Homeowners with keys

4 easy steps

Same questions TSAHC uses. Then Gold Quest runs the loan.

1

Job title

Heroes program: teachers, fire, EMS, police, corrections, veterans. Everyone else still has Home Sweet Texas.

2

First-time status

Owned a home in the last 3 years? You can still get DPA. MCC usually needs first-time, veteran, or targeted area.

3

Household

County + household size set the income cap. Houston metro Home Sweet Texas is about $156,000 for 2026.

4

Income check

We compare household income to TSAHC limits, then lock a 30-year fixed with DPA layered on.

Programs for Texas buyers

Two TSAHC lanes. Gold Quest originates both.

Texas brick home

Homes for Texas Heroes

Teachers, firefighters, EMS, police, corrections officers, and veterans. Higher income limits.

Living room

Home Sweet Texas

Low-to-moderate income buyers of any profession. Same DPA structure. Statewide.

How it works

One explainer. Then talk to Gold Quest.

See if you qualify

Quick screen. Not a credit pull. A Gold Quest loan officer follows up.

  • Primary residence in Texas
  • Credit as low as 620 (640 conventional HFA)
  • Homebuyer education before closing
  • Income within county limits

Call Houston: 713-621-6458

Programs administered by Texas State Affordable Housing Corporation and originated through participating lenders. Assistance type, amount, and eligibility subject to TSAHC guidelines. This page is marketing — not a commitment to lend. NMLS #212990. Equal Housing Lender.

Got it. A Gold Quest loan officer will contact you.
Gold Quest Group
Houston mortgage lender since 2001
713-621-6458 · goldquestgroup.com
Down payment assistance and MCCs are TSAHC products.
Gold Quest helps eligible Texas buyers originate the loan.