Learn more about Texas Department of Housing and Community Affairs (TDHCA)

Helping More Texans Have a Place to Call Home

Our team knows how hard it is for many homebuyers to break into the real estate market today.

That’s why we proudly offer programs by TDHCA to help lessen the financial burden of homeownership.

My First Texas Home

Catering to First-Time Homebuyers to Assist with Down Payments and Offering Competitive Interest Rates.

My Choice Texas Home

Ideal for Buyers Who Don’t Meet First-Time Requirements, Offering Greater Flexibility and Expanded Eligibility.

Mortgage Credit Certificate:

Providing Your Clients with Mortgage Solutions that Meet Their Needs

TDHCA Resources

How much assistance a borrower needs determines, rate, credit score is not a factor rate. 620 is the floor, 640 for Conventional. Pricing is not done in our portal. Just plug in the respective rate in your LOS.

TDHCA Daily Interest Rates

TDHCA Website

Important Note:

Before locking a loan with TSAHC or TDHCA training must be completed once conditional approval is received.

When submitting a lock request, please include the following:

  • TDHCA Training Certificate from the Loan Officer

Offer TDHCA with Confidence

MFSTPO is your trusted wholesale partner for TDHCA mortgage solutions. We support brokers with programs designed to expand homeownership opportunities across Texas.

When navigating TDHCA mortgage options for your clients, partner with a team experienced in program guidelines and committed to a smooth process from approval through funding.