First-Time Home Buyer Loans in Spring, The Woodlands & Houston, TX

Buying your first home is a big step, and you don't need 20% down to do it. You're generally considered a first-time buyer if you haven't owned a home in the past three years. That opens the door to special loan programs and Texas assistance that can make homeownership affordable sooner than you think.

Loan Options for First-Time Buyers

Conventional first-time buyer programs with as little as 3% down.

FHA loans with 3.5% down and flexible credit guidelines.

VA loans with 0% down for eligible veterans and service members.

USDA loans with 0% down in eligible areas.

Down payment assistance through Texas state and local programs.

How I Help First-Time Buyers

I walk you through the whole process in plain English: what credit score you need, how much home you can comfortably afford, what your monthly payment and cash to close will be, and which programs you qualify for. If you're not quite ready, I'll give you a clear plan to get there. Our mortgage calculators are a good place to start.

Why Work With Game On Mortgage?

I'm Andrew Hooey, an independent mortgage broker based in Spring, TX. Instead of offering one bank's products, I shop your loan across multiple wholesale lenders and bring back the option that fits you best. Game On Mortgage has funded over $150 million in loans with a 97% customer satisfaction rate, and we serve buyers and homeowners across Spring, The Woodlands, and the greater Houston area.

Related loan programs:Down Payment Assistance, FHA Loans, Conventional Loans. See all loan programs.

Fill out the form for a quick quote, or call me directly at (713) 446-2420.

Andrew Hooey, NMLS #1808045. Game On Mortgage, LLC, NMLS #2468752. Not a commitment to lend. All loans subject to credit approval, property eligibility, and program guidelines. Program terms and limits are subject to change.