BEST OF
7 Best TDHCA Mortgage Lenders of 2021
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.
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.
Summary of Best TDHCA Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for customer service | 620 | 5% | at loanDepot | |
Best for customer service | 620 | 3% | Read review | |
Best for online experience | 620 | 3% | Read review | |
Best for online experience | 620 | 3% | at Fairway Independent Mortgage | |
Best for government loans | 620 | 3% | Read review | |
Best for government loans | 620 | 3% | Read review | |
Best for online experience | 620 | 3% | at Guaranteed Rate |
at loanDepot
loanDepot: NMLS#174457

Min. Credit Score
Min. Down Payment
at loanDepot
PrimeLending: NMLS#13649

Min. Credit Score
Min. Down Payment
Alterra: NMLS#133739

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
Guild Mortgage: NMLS#3274

Min. Credit Score
Min. Down Payment
HomeBridge: NMLS#6521

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
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 4, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best TDHCA Mortgage Lenders of 2021
- loanDepot: Best for customer service
- PrimeLending: Best for customer service
- Alterra: Best for online experience
- Fairway Independent Mortgage: Best for online experience
- Guild Mortgage: Best for government loans
- HomeBridge: Best for government loans
- Guaranteed Rate: Best for online experience