7 Best TDHCA Mortgage Lenders of 2022
The Texas Department of Housing and Community Affairs, or TDHCA, can help first-time buyers purchase a home. See NerdWallet's picks for participating lenders.
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Texas residents who want to buy their first homes can get help from the Texas Department of Housing and Community Affairs. The state's My First Texas Home loan program includes down payment and closing cost assistance.
The program's low-interest rate loans are offered through a network of participating lenders. These are among the best, as determined by NerdWallet research.
Texas residents who want to buy their first homes can get help from the Texas Department of Housing and Community Affairs. The state's My First Texas Home loan program includes down payment and closing cost assistance.
The program's low-interest rate loans are offered through a network of participating lenders. These are among the best, as determined by NerdWallet research.
Best TDHCA Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online experience | 620 | 3% | Learn more at Guaranteed Rate |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for online experience | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() loanDepot: NMLS#174457 | Best for customer service | 620 | 5% | Read review |
![]() PrimeLending: NMLS#13649 | Best for customer service | 620 | 3% | Read review |
![]() Guild Mortgage: NMLS#3274 | Best for government loans | 620 | 3% | Read review |
![]() Homebridge: NMLS#6521 | Best for government loans | 620 | 3% | Read review |
![]() Alterra: NMLS#133739 | Best for online experience | 620 | 3% | Read review |

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%Homebridge: NMLS#6521

Min. credit score
620Min. down payment
3%Alterra: NMLS#133739

Min. credit score
620Min. down payment
3%More TDHCA participating mortgage lenders
The following are some of the highest-volume lenders that participate in TDHCA first-time home buyer programs. They have not been reviewed by NerdWallet.
Website has calculators, answers to FAQs and a mortgage glossary.
Offers FHA, VA and USDA loans.
National lender headquartered in Texas.
More than 25 locations in Texas.
Prequalification can be started online.
Website includes calculators, FAQs and a mortgage glossary.
Offers FHA, VA and USDA mortgages as well as conventional loans.
Lends in over 30 states and headquartered in Texas.
Reduced interest rate for disabled veterans under the Texas VLB mortgage program.
Outlines the steps to buying a home and offers a homebuying guide.
Offers FHA, VA and USDA loans as well as conventional mortgages for first-time home buyers.
Website has several loan calculators.
More from NerdWallet
Last updated on January 6, 2022
Methodology
To recap our selections...
NerdWallet's Best TDHCA Mortgage Lenders of 2022
- Guaranteed Rate: Best for online experience
- Fairway Independent Mortgage: Best for online experience
- loanDepot: Best for customer service
- PrimeLending: Best for customer service
- Guild Mortgage: Best for government loans
- Homebridge: Best for government loans
- Alterra: Best for online experience