2836 Terrace Grove Dr

This may be the homebuying opportunity you have been waiting for! You could purchase 12222 Walden Rd in Montgomery with an estimated total out-of-pocket cost of only $4,197.01.

Prefer a lower starting monthly payment? Choose the temporary 2-1 rate buydown option with an estimated $11,703.43 total out of pocket and save approximately $413.72 per month during Year 1 and $211.82 per month during Year 2.

To take advantage of this opportunity, contact Edi Shek and work with him as your buyer’s agent and loan officer. Edi will help negotiate the available contributions and guide you through the purchase and financing process.

Don’t let this deal pass you by—call Edi today at 832-495-4068 or 346-818-1173.

See the flyer for financing options, estimated savings, qualifications and complete details.

This is the kind of opportunity serious homebuyers should act on! You could purchase 912 Roberts St in East Bernard with an estimated $4,320.16 total out of pocket.

Want a lower starting monthly payment instead? Choose the temporary 2-1 rate buydown with an estimated $14,081.47 total out of pocket and save approximately $538.00 per month during Year 1 and $275.45 per month during Year 2.

To pursue this opportunity, contact Edi Shek and work with him as your buyer’s agent and loan officer. Edi will help negotiate the available contributions and guide you through the home-purchase and financing process.

Don’t let this deal get away—call Edi today at 832-495-4068 or 832-997-4844.

See the flyer for qualifications, financing options and complete details.

Yes—an estimated $1,425.13 out of pocket may be all you need to purchase 2025 Briar Ln. Or choose the lower-payment option with a temporary 4.875% starting rate and an estimated $8,228.47 out of pocket.

To secure this deal, work with Edi Shek as your buyer’s agent and loan officer. Edi will help negotiate and coordinate approximately $17,940 in down-payment assistance and closing-cost contributions to make homeownership more affordable.

Opportunities like this deserve immediate attention. Call Edi today at 832-495-4068 or 832-997-4844.

See the flyer for financing details, estimated costs, qualifications and disclosures.

Yes—an estimated $68.39 out of pocket may be all you need to purchase 5903 Littoral Rd. Or choose the lower-payment option with a temporary 4.875% starting rate, save approximately $407.57 per month during Year 1, and bring an estimated $7,463.32 out of pocket.

To secure this deal, work with Edi Shek as your buyer’s agent and loan officer. Edi will help negotiate and coordinate approximately $19,500 in down-payment assistance and closing-cost contributions to make homeownership more affordable.

This is the kind of opportunity you should act on immediately. Call Edi today at 832-495-4068 or 832-997-4844.

See the flyer for financing details, estimated costs, qualifications and disclosures.

Yes—an estimated $1,261.07 out of pocket may be all you need to purchase 10010 Starry Night Ln. Or choose the lower-payment option with a temporary 4.875% starting rate, save approximately $539.13 per month during Year 1, and bring an estimated $11,042.86 out of pocket.

To secure this deal, work with Edi Shek as your buyer’s agent and loan officer. Edi will help negotiate and coordinate approximately $25,794 in down-payment assistance and closing-cost contributions to make purchasing this home more affordable.

This is an opportunity worth acting on right away. Call Edi today at 832-495-4068 or 832-997-4844.

See the flyer for financing details, estimated costs, qualifications and disclosures.

Yes—an estimated $7,633.59 out of pocket may be all you need to purchase 24019 Wheatgrass Grove Ln. Or choose the lower-payment option with a temporary 5.375% starting rate, save approximately $756.19 per month during Year 1, and bring an estimated $21,345.86 out of pocket.

To secure this deal, work with Edi Shek as your buyer’s agent and loan officer. Edi will help negotiate and coordinate approximately $36,540 in down-payment assistance and closing-cost contributions to make purchasing this home more affordable.

A deal this substantial deserves your immediate attention. Call Edi today at 832-495-4068 or 832-997-4844.

See the flyer for financing details, estimated costs, qualifications and disclosures.

Yes—an estimated $308.19 out of pocket may be all you need to purchase 29730 Smoky Ridge Rd. Or choose the lower-payment option with a temporary 4.875% starting rate, save approximately $633.31 per month during Year 1, and bring an estimated $11,798.79 out of pocket.

To secure this deal, work with Edi Shek as your buyer’s agent and loan officer. Edi will help negotiate and coordinate approximately $30,300 in down-payment assistance and closing-cost contributions to make purchasing this home more affordable.

This is a serious opportunity to own a beautiful Fulshear home with exceptional financial assistance. Call Edi today at 832-495-4068 or 832-997-4844.

See the flyer for financing details, estimated costs, qualifications and disclosures.

Yes—an estimated $478.05 out of pocket may be all you need to purchase 1902 Kings Arms Way. Or choose the lower-payment option with a temporary 4.875% starting rate, save approximately $319.78 per month during Year 1, and bring an estimated $6,280.23 out of pocket.

To secure this deal, work with Edi Shek as your buyer’s agent and loan officer. Edi will help negotiate and coordinate approximately $15,302 in down-payment assistance and closing-cost contributions to make purchasing this home more affordable.

This limited-time opportunity could also be perfect for someone you know. Grab this deal—or help a loved one grab it—by calling Edi today at 832-495-4068 or 832-997-4844.

See the flyer for financing details, estimated costs, qualifications and disclosures.

This could be the opportunity that gets you into your next home! One financing option may provide an estimated $1,030.91 refund, while another offers a lower starting payment through a temporary 2-1 rate buydown—with estimated savings of $614.49 per month in Year 1 and $314.61 per month in Year 2.

The illustrated deal includes $14,700 in down-payment assistance plus a $14,702 closing-cost contribution. Use Edi Shek as your buyer’s agent and loan officer to help negotiate and coordinate the deal from contract through financing.

Why keep renting when homeownership may be closer than you think? With the available assistance, qualified buyers could purchase 5012 Pismo Ray Dr with an estimated $1,107.77 out of pocket.

Buyers who want to reduce their initial monthly payments may choose the temporary 2-1 rate buydown. This option estimates $7,592.54 out of pocket, with potential savings of approximately $357.41 per month during the first year and $182.99 per month during the second year.

The illustrated financing includes $8,550 toward the down payment and another $8,550 toward closing costs. Let Edi Shek represent you as your buyer’s agent and assist with your financing as your loan officer, bringing the real estate negotiations and mortgage process together.

Opportunities like this deserve a serious look. Call 832-495-4068 or 832-997-4844 to explore your options. Additional information is provided in the flyer.

Subject to property availability, buyer eligibility, negotiation, program guidelines, rate changes, and final loan disclosures.

Imagine purchasing this spacious 4-bedroom, 2.5-bath home at 27022 Brighton Valley Way and potentially receiving an estimated $2,963.04 refund through the lower-upfront-cost option.

Want more breathing room in your monthly budget instead? The temporary 2-1 rate buydown option estimates $7,276.10 out of pocket and could reduce the payment by approximately $564.33 per month in Year 1 and $288.93 per month in Year 2.

The illustrated opportunity combines $13,500 in down-payment assistance with a $13,505 closing-cost contribution. Work with Edi Shek as your buyer’s agent and loan officer to pursue the available assistance, negotiate the purchase, and coordinate your financing.

This may be the opportunity that makes your move possible. Call 832-495-4068 or 832-997-4844 today. See the flyer for complete details.

Subject to property availability, buyer eligibility, negotiation, program requirements, rate changes, and final loan disclosures.

A beautiful 4-bedroom, 3-bath home at 29118 Lantana Ridge Ct may be more attainable than you imagined. With the illustrated assistance, qualified buyers could need an estimated $3,227.66 out of pocket.

Looking for a smaller starting payment instead? The temporary 2-1 rate buydown option estimates $13,125.44 out of pocket, with potential savings of approximately $545.52 per month during Year 1 and $279.30 per month during Year 2.

This opportunity illustrates $13,050 in down-payment assistance together with a $13,048 closing-cost contribution. Choose Edi Shek as your buyer’s agent and loan officer to help negotiate the transaction and guide the financing under one coordinated strategy.

A home like this—and assistance like this—deserves your attention. Call 832-495-4068 or 346-818-1173 today. See the flyer for complete details.

Subject to property availability, buyer eligibility, negotiation, program guidelines, rate changes, and final loan disclosures.

A home at 602 Jewett St B could be within reach with an estimated $5,305.85 out of pocket through the lower-upfront-cost option.

Would you rather reduce your starting monthly payment? The temporary 2-1 rate buydown option estimates $18,179.71 out of pocket and could provide payment savings of approximately $709.85 per month in Year 1 and $362.97 per month in Year 2.

The illustrated financing brings together $17,247 in down-payment assistance and a $17,247 closing-cost contribution. Work with Edi Shek as your buyer’s agent and loan officer to pursue the available assistance, negotiate the purchase, and coordinate the financing.

This Houston opportunity may not wait. Call 832-495-4068 or 346-818-1173 today. See the flyer for complete details.

Subject to property availability, buyer eligibility, negotiation, program requirements, rate changes, and final loan disclosures.

This opportunity at 902 Kern St A offers more than a place to call home. The illustrated temporary 2-1 rate buydown may provide an estimated $927.38 refund, while reducing the principal-and-interest payment by approximately $563.08 per month in Year 1 and $288.29 per month in Year 2.

A second financing approach is also available, with estimated buyer funds of $9,289.01. Both scenarios illustrate $13,470 in down-payment assistance plus a $13,470 closing-cost contribution—a combined $26,940 in potential assistance.

Let Edi Shek serve as your buyer’s agent and loan officer to help negotiate the purchase, pursue the available contributions, and coordinate the financing strategy.

Don’t let this Houston opportunity pass you by. Call 832-495-4068 or 346-818-1173 today. See the flyer for complete details.

Subject to property availability, buyer eligibility, negotiation, program requirements, rate changes, and final loan disclosures.

Your next home at 902 Kern St B may come with a financial head start. The lower-upfront-cost scenario estimates a $863.28 refund, helping qualified buyers preserve more of their available cash.

For buyers focused on reducing their initial monthly payment, the temporary 2-1 rate buydown estimates $9,116.57 out of pocket and potential savings of approximately $550.54 per month during Year 1 and $281.87 per month during Year 2.

Depending on the selected option, the illustrated financing includes $13,170 or $13,179 in down-payment assistance, together with a $13,170 closing-cost contribution—up to $26,349 in combined assistance.

Have Edi Shek represent you as your buyer’s agent and loan officer t

A premium Houston address may be closer than expected. The lower-upfront-cost option for 1105 Wilson St estimates just $5,958.37 out of pocket, supported by substantial assistance and negotiated contributions.

Buyers who prefer to lower their initial monthly obligation can consider the temporary 2-1 rate buydown. This option estimates $21,631.38 out of pocket while offering potential savings of approximately $864.19 per month in Year 1 and $441.89 per month in Year 2.

Each illustrated option includes $20,997 in down-payment assistance and a $20,997 closing-cost contribution—a combined benefit of $41,994.

Partner with Edi Shek as your buyer’s agent and loan officer to coordinate the offer, financing, and available assistance from one strategy.

This 4-bedroom, new-construction Harvest Green home gives you two powerful ways to buy. You may qualify for a $96.76 refund, or bring $11,734.90 out of pocket to secure lower monthly payments—saving an estimated $652.10 per month in Year 1 and $333.87 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $15,599.70 in down-payment assistance and a $15,400 closing-cost contribution. Call Edi today—more details are in the flyer.

1306 Vinter Meadows Ln gives you two strong ways to buy. Choose the low-upfront-cost option with just $508.56 out of pocket, or bring $9,154.72 to secure a temporary 2-1 rate buydown—starting at 4.875% in Year 1 and 5.875% in Year 2—with estimated monthly savings of $476.53 in Year 1 and $243.98 in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to structure the strongest possible deal for this home. Call Edi today—more details are in the flyer.

2117 Willow Wisp Dr gives you two smart ways to buy. Choose the low-upfront-cost option with just $546.83 out of pocket, or bring $7,941.53 to secure a temporary 2-1 rate buydown and enjoy lower starting payments during the first two years.

Work with Edi Shek as your buyer’s agent and loan officer to structure the strongest possible deal for this home. Call Edi today—more details are in the flyer.

3445 Mount Pleasant St gives you an opportunity to own a Houston home for under $150,000. Bring $6,266.30 out of pocket to choose the lower-starting-payment option, with estimated savings of $188.10 per month in Year 1 and $96.30 per month in Year 2 through a temporary 2-1 rate buydown.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $4,499.70 in down-payment assistance and a $4,000 closing-cost contribution. Call Edi today—more details are in the flyer.

3509 Goodhope St A gives you an exceptional way to buy in Houston. Choose the low-upfront-cost option and you may receive a $2,684.29 refund, or bring $9,829.99 out of pocket to secure a temporary 2-1 rate buydown—saving an estimated $689.73 per month in Year 1 and $353.13 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $16,499.70 in down-payment assistance and a $16,000 closing-cost contribution. Call Edi today—more details are in the flyer.

5911 Canyon Brook Ct is a $479,990 Sugar Land home with financing designed to reduce your starting payment. Bring $9,184.40 out of pocket and use a temporary 2-1 rate buydown to save an estimated $601.94 per month in Year 1 and $308.19 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $14,399.70 in down-payment assistance and a $14,408 closing-cost contribution. Call Edi today—more details are in the flyer.

8617 Clarington St gives you a smart way to buy in Houston. Bring $8,740.63 out of pocket and use a temporary 2-1 rate buydown to start at 4.875% in Year 1—saving an estimated $438.91 per month in Year 1 and $224.72 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $10,499.70 in down-payment assistance and a $10,495 closing-cost contribution. Call Edi today—see the flyer for complete financing details.

11626 Braemar Village Dr gives you a clear path to owning a $284,999 Tomball home with just $1,974.25 out of pocket. Or, bring $8,459 to lower your starting payment through a temporary 2-1 rate buydown—saving an estimated $357.41 per month in Year 1 and $182.99 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $8,549.97 in down-payment assistance and an $8,522 closing-cost contribution. Call Edi today—more details are in the flyer.

14027 Coveney Dr puts homeownership within reach with a low-upfront option requiring just $2,749.63 out of pocket. Or bring $8,210.28 to secure a temporary 2-1 rate buydown and start at about $1,247.04 per month in Year 1—saving an estimated $300.96 per month—with an additional $154.09 per month in estimated savings during Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $7,199.70 in down-payment assistance and a $7,208 closing-cost contribution. Call Edi today—more details are in the flyer.

14606 Aspen Peak Dr is a $339,990 Houston home with a low-upfront option requiring just $1,892.19 out of pocket. Or, bring $9,628.19 to secure a temporary 2-1 rate buydown and start around $1,766.66 per month in Year 1—saving an estimated $426.37 per month—with another $218.30 per month in estimated savings during Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $10,199.70 in down-payment assistance and a $10,202 closing-cost contribution. Call Edi today—more details are in the flyer.

3502 Goodhope St gives you an affordable route to owning in Houston. Choose the low-upfront option with just $1,029.94 out of pocket, or bring $6,945.64 to secure a temporary 2-1 rate buydown—saving an estimated $326.05 per month in Year 1 and $166.93 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $7,799.70 in down-payment assistance and a $7,771 closing-cost contribution. Call Edi today—more details are in the flyer.

Why keep renting when 10910 Tawny Rdg offers a path to ownership with an estimated $4,269.17 total out of pocket? Or choose the lower-payment option with $10,981.48 total out of pocket and a temporary starting rate of 4.875% in Year 1 and 5.875% in Year 2—saving an estimated $369.95 per month in Year 1 and $189.41 per month in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $17,700 in combined down-payment assistance and closing-cost contribution, subject to eligibility and negotiated terms.

Call Edi today at 832-495-4068 or 346-818-1173. More details, qualifications, and financing disclosures are in the flyer.

Your next home could be closer than you think! 7399 Regency Square Ct #7399 offers an estimated $3,685.65 total out of pocket, including your 1% earnest deposit, based on the $179,900 financing scenario. Prefer lower starting payments? Choose the temporary 2-1 buydown with approximately $7,779.02 total out of pocket, starting at 4.875% in Year 1 and 5.875% in Year 2, with estimated monthly savings of $225.61 and $115.51, respectively. Work with Edi Shek as your buyer’s agent and loan officer to pursue $10,794 in combined down-payment assistance and closing-cost contributions. Call 832-495-4068 or 346-818-1173 today! See the flyer for details and qualifications. The HOA amount requires correction, and financing estimates must be recalculated before relying on this offer.

Why keep renting when 610 High Meadows Dr could put homeownership within reach? Choose the low-upfront-cost option with an estimated $4,142.22 total out of pocket, including your earnest deposit.

Want lower starting payments? Bring an estimated $12,310.77 total out of pocket for a temporary 2-1 buydown, with payments based on 4.875% in Year 1 and 5.875% in Year 2, then the 6.875% note rate (7.230% APR). Estimated monthly savings: $450.21 in Year 1 and $230.50 in Year 2.

Work with Edi Shek as your buyer’s agent and loan officer to pursue $21,540 in combined down-payment assistance and closing-cost contributions, subject to eligibility and negotiation.

Call 832-495-4068 or 346-818-1173 today. More details, qualifications and disclosures are in the flyer.

Make a splash in New Territory! Listed at $449,900, this single-story Sugar Land home offers 3 bedrooms, 2 bathrooms, approximately 2,095 square feet, a home office, and a private pool.

Edi Shek has illustrated two ways to finance the purchase:

Option 1 — Lower cash to close: With $13,497 in down payment assistance and a $13,497 closing cost contribution, the worksheet estimates a $843.65 refund at closing. That estimate assumes the buyer has already paid a $4,499 earnest money deposit.

Option 2 — Lower initial payments: The illustrated FHA 2-1 buydown has a 4.875% rate in Year 1, 5.875% in Year 2, and a 6.875% note rate thereafter. The worksheet estimates $9,393.22 in additional buyer funds at closing after the earnest money deposit. Estimated APR: 7.212%. For Option 1, the illustrated rate is 6.875% with an estimated 7.234% APR.

A deal brought to you by Edi Shek. To tour the house with the listing agent or discuss which financing option fits you, contact Edi at 832-495-4068.

Room for everyone in Richmond’s Harvest Green! This 4-bedroom, 4-bath home offers approximately 2,502 square feet, two primary suites, and two kitchens. A private suite with its own entrance, living area, bedroom, and full bath gives the home a flexible layout for multigenerational living. Enjoy the open main living area and covered back patio.

Option 1 — Closing cost help: A $14,487 closing cost contribution brings estimated additional funds needed at closing to $9,734.09, after an assumed $4,829 earnest money deposit. This worksheet shows $0 down payment assistance. Its illustrated FHA rate is 6.875%, with an estimated 7.229% APR.

Option 2 — Down payment help and lower initial payments: The worksheet shows $14,487 in down payment assistance and a $14,487 closing cost contribution, with estimated additional funds needed at closing of $6,234.83 after the assumed earnest money deposit. Its 2-1 buydown illustrates a 4.875% rate in Year 1, 5.875% in Year 2, and a 6.875% note rate thereafter; estimated APR is 7.208%.

A deal brought to you by Edi Shek. Tour the house with the listing agent, then contact Edi at 832-495-4068 to review current financing terms.

Explore this 2,789-square-foot home in Sugar Land’s New Territory, offering 4 bedrooms, 2½ bathrooms, a spacious living area, no carpet, and a covered place to call home. The property is tenant occupied with a lease reported through April 2027; confirm possession terms before planning a move.

If the property can meet primary residence occupancy requirements, Edi Shek’s worksheets illustrate two FHA purchase options:

Option 1 — Lower cash needed: $12,747 in down payment assistance plus a $12,747 closing cost contribution results in an estimated refund of $136.91 at closing, assuming a $4,249 earnest money deposit has already been paid. Illustrated rate: 6.875%; estimated APR: 7.239%.

Option 2 — Lower initial payments: The same illustrated assistance and contribution are paired with a 2-1 buydown: 4.875% in Year 1, 5.875% in Year 2, and 6.875% thereafter; estimated APR: 7.216%. Estimated additional funds needed at closing: $9,531.10 after the assumed earnest money deposit.

A deal brought to you by Edi Shek. To tour the house with the listing agent and check whether either financing option can work with the lease, contact Edi at 832-495-4068.

Discover this spacious 5-bedroom, 4-bath home in Sugar Land’s Park Pointe, listed at $535,000. With approximately 3,548 square feet, high ceilings, an island kitchen, a game room, and a generous backyard, it offers plenty of space to enjoy.

Both illustrated financing options include $16,050 in down payment assistance and a $16,050 closing cost contribution—3% of the purchase price.

Option 1 — Lower initial payments: The 2-1 buydown worksheet illustrates principal-and-interest savings of $670.93 per month in Year 1 and $343.51 per month in Year 2, compared with its full note-rate payment. Estimated additional funds needed AT CLOSING: $10,325.10.

The 30-year FHA example shows:

Year 1: 4.875%; P&I payment $2,779.98/month.

Year 2: 5.875%; P&I payment $3,107.40/month.

Years 3–30: 6.875% note rate; P&I payment $3,450.91/month.

Estimated APR: 7.201%.

Option 2 — Lower cash to close: The standard worksheet estimates a refund of $1,848.09 at closing, after crediting the assumed $5,350 earnest money deposit already paid. Illustrated 30-year FHA rate: 6.875%; estimated APR: 7.222%.

A deal brought to you by Edi Shek!

Welcome to this well-maintained two-story home in Sugar Land’s Park Pointe community. Listed at $409,000, the property offers 4 bedrooms, 2½ bathrooms, approximately 2,906 square feet, spacious living areas, a functional kitchen, a two-car garage, and a large backyard.

Both illustrated FHA financing options include $12,270 in down payment assistance and a $12,270 closing cost contribution—3% of the purchase price.

Option 1 — Lower initial payments: The illustrated 2-1 buydown provides estimated principal-and-interest savings of $512.91 per month in Year 1 and $262.60 per month in Year 2. Estimated buyer funds needed AT CLOSING: $9,634.48.

Year 1: 4.875% rate; estimated P&I payment of $2,125.25

Year 2: 5.875% rate; estimated P&I payment of $2,375.56

Years 3–30: 6.875% note rate; estimated P&I payment of $2,638.17

Estimated APR: 7.219%

Option 2 — Low cash to close: Purchase the home with an estimated $328.25 in additional buyer funds AT CLOSING, after crediting the assumed $4,090 earnest money deposit already paid. Illustrated 30-year FHA rate: 6.875%; estimated APR: 7.242%.

A deal brought to you by Edi Shek!

Discover 9530 Flying Eagle Ct—a completely renovated 3–4 bedroom, 2.5-bath home offering 2,209 sq. ft., a two-car garage, quartz kitchen countertops, updated bathrooms and community amenities.

Choose the financing benefit that fits you:

Option 1 – Lower Starting Payment: Receive $9,735 in down-payment assistance plus a 3% Closing Cost Contribution. Start at a 4.875% interest rate and save approximately $406.95 per month during Year 1 and $208.35 per month during Year 2. Estimated funds at closing: $8,125.41.*

Option 2 – Low Cash to Close: Receive the same $9,735 down-payment assistance and 3% Closing Cost Contribution with estimated funds at closing of only $741.86.*

Contact Edi Shek at 832-495-4068 or 346-818-1173 to learn how to qualify.

Explore 19331 Mission Cove Ln—a refreshed four-bedroom, 2.5-bath home offering 2,754 sq. ft., a two-car garage, open-concept living, fresh interior paint and convenient access to Grand Parkway, Westpark Tollway and FM 1464.

Choose the financing benefit that works best for you:

Option 1 – Lower Starting Payment: Receive $9,569.97 in down-payment assistance plus a 3% Closing Cost Contribution. Start at a 4.875% interest rate and save approximately $400.05 per month during Year 1 and $204.82 per month during Year 2. Estimated funds at closing: $8,375.88.*

Option 2 – Low Cash to Close: Receive the same $9,569.97 down-payment assistance and 3% Closing Cost Contribution with estimated funds at closing of only $1,117.49.*

Contact Edi Shek at 832-495-4068 or 346-818-1173 to learn how to qualify.

Discover flexible living at 23903 Hartford Springs Trl, Katy, TX 77493—a spacious 4-bedroom, 3.5-bath home offering 2,765 sq. ft. and a two-car garage in the desirable Elyson community.

Choose the financing benefit that works best for you:

• Low-cash option: Receive $12,750 in down-payment assistance plus a 3% closing-cost contribution of $12,750, reducing estimated funds needed at closing to only $512.20.
• Lower-payment option: Start with a 4.875% Year 1 rate and estimated $2,208.40 monthly principal and interest, saving approximately $532.98 per month during the first year through a 2-1 temporary rate buydown.

This opportunity is designed to make homeownership more affordable—whether your priority is bringing less money to closing or enjoying a lower starting monthly payment.

Welcome to 14927 Sugar Crystal Ct, Sugar Land, TX 77498—a spacious 4-bedroom, 2.5-bath home offering 2,562 sq. ft., a two-car garage, soaring ceilings and a quiet cul-de-sac location in Sugar Grove with access to a community pool.

Choose the benefit that best fits your budget:

• Low-cash option: Receive $10,500 in down-payment assistance plus a 3% closing-cost contribution of $10,500, reducing estimated funds needed at closing to only $20.04.
• Lower-payment option: Start with a 4.875% Year 1 rate and estimated $1,818.68 monthly principal and interest, providing estimated savings of $438.92 per month during Year 1 and $224.72 per month during Year 2 through a 2-1 temporary rate buydown.

That is a combined $21,000 in down-payment assistance and closing-cost contribution, giving buyers two powerful ways to make this Sugar Land home more affordable.

Welcome to 14415 Castlemaine Ct, Sugar Land, TX 77498—a spacious 5-bedroom, 4-bath home offering 3,033 sq. ft., a two-car garage, beautiful water views, a private boat slip and a covered patio.

Choose the financing benefit that works best for you:

• Low-cash option: Receive $17,250 in down-payment assistance plus a 3% closing-cost contribution of $17,250, reducing estimated funds needed at closing to $5,879.06.
• Lower-payment option: Start with a 5.375% Year 1 rate and estimated $3,058.84 monthly principal and interest, saving approximately $713.97 per month during Year 1 and $364.92 per month during Year 2 through a 2-1 temporary rate buydown.

That is a combined $34,500 in down-payment assistance and closing-cost contribution, offering buyers two powerful ways to make this waterfront home more affordable.

Welcome to 20926 Running Moon Trl, Humble, TX 77338—a spacious, energy-efficient two-story home in Cypresswood Point featuring 4 bedrooms, 2.5 bathrooms, 2,836 sq. ft., a two-car garage and a versatile game room.

Choose the financing benefit that works best for you:

• Low-cash option: Receive $10,493 in down-payment assistance plus a 3% closing-cost contribution of $10,493, reducing estimated funds needed at closing to only $1,324.24.
• Lower-payment option: Start with a 4.875% Year 1 rate and estimated $1,817.57 monthly principal and interest, saving approximately $438.66 per month during Year 1 and $224.59 per month during Year 2 through a 2-1 temporary rate buydown.

That is a combined $20,986 in down-payment assistance and closing-cost contribution, providing two attractive ways to make this home yours.

Welcome to 127 Oxford Ct, Richmond, TX 77469—a spacious single-story home in Tara Colony featuring 4 bedrooms, 2 bathrooms, 2,193 sq. ft., high ceilings, a two-car garage and a large backyard.

Choose the financing benefit that works best for you:

• Low-cash option: Receive $8,993 in down-payment assistance plus a 3% closing-cost contribution of $8,993, reducing estimated funds needed at closing to only $1,701.30.
• Lower-payment option: Start with a 4.875% Year 1 rate and estimated $1,557.76 monthly principal and interest, saving approximately $375.95 per month during Year 1 and $192.48 per month during Year 2 through a 2-1 temporary rate buydown.

That is a combined $17,986 in down-payment assistance and closing-cost contribution, giving buyers two attractive ways to make this Richmond home more affordable.

Welcome to 1331 Dominion Dr, Katy, TX 77450—a spacious Nottingham Country home featuring 4 bedrooms, 2.5 bathrooms, 2,222 sq. ft., a private study, two-car garage and a desirable corner lot. Recent improvements include new flooring and a new HVAC system.

Choose the financing benefit that works best for you:

• Low-cash option: Receive $11,963 in down-payment assistance plus a 3% closing-cost contribution of $11,963, resulting in an estimated $1,396.23 refund at closing.
• Lower-payment option: Start with a 4.875% Year 1 rate and estimated $2,072.18 monthly principal and interest, saving approximately $500.11 per month during Year 1 and $256.05 per month during Year 2 through a 2-1 temporary rate buydown.

That is a combined $23,926 in down-payment assistance and closing-cost contribution, giving buyers two attractive ways to make this Katy home more affordable.

Welcome to 31215 Conover Dr, Fulshear, TX 77441—a bright and spacious 2022-built home featuring 4 bedrooms, 2.5 bathrooms, 2,526 sq. ft., an open-concept layout and a two-car garage.

Choose the financing benefit that works best for you:

• Low-cash option: Receive $8,997 in down-payment assistance plus a 3% closing-cost contribution of $8,997, reducing estimated funds needed at closing to only $2,167.75.
• Lower-payment option: Start with a 4.875% Year 1 rate and estimated $1,558.35 monthly principal and interest, saving approximately $376.10 per month during Year 1 and $192.56 per month during Year 2 through a 2-1 temporary rate buydown.

That is a combined $17,994 in down-payment assistance and closing-cost contribution, giving buyers two attractive ways to make this modern Fulshear home more affordable.

Explore the homeownership opportunities at 5123 Harbor Palm Dr, Rosenberg, with $10,943.58 in Down Payment Assistance and a $10,000 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The previously prepared scenario shows an estimated refund of $251.47 at closing after crediting earnest money already paid. With a $3,647.86 earnest money deposit, estimated net total out of pocket is $3,396.39.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $457.47 per month in Year 1 and $234.22 per month in Year 2. Estimated additional funds needed at closing are $8,048.73, bringing total out of pocket, including earnest money, to $11,696.59.

Explore homeownership at 1903 Lavender Field Dr, with $16,043.58 in Down Payment Assistance and a $10,000 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: Estimated additional funds needed at closing are $10,735.94. Including the $5,347.86 earnest money deposit, estimated total out of pocket is $16,083.80.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $664.04 per month in Year 1 and $339.40 per month in Year 2. Estimated additional funds needed at closing are $22,777.19, bringing total out of pocket, including earnest money, to $28,125.05.

Explore homeownership at 1911 Long Barrel Ln, with $7,793.58 in Down Payment Assistance and a $7,793.58 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: Estimated additional funds needed at closing are $599.69. Including the $2,597.86 earnest money deposit, estimated total out of pocket is $3,197.55.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $325.79 per month in Year 1 and $166.80 per month in Year 2. Estimated additional funds needed at closing are $6,510.76, bringing total out of pocket, including earnest money, to $9,108.62.

That’s the opportunity available for 4802 Cedar Butte Ln in Rosharon, TX. You can choose the low-out-of-pocket option or select a lower starting interest rate with special financing.

Work with Edi Shek (REALTOR® & Loan Officer), and he will negotiate and coordinate potential down-payment assistance and closing-cost contributions to help make this home yours.

Deals like this deserve serious consideration—call Edi now at 832-495-4068 or 346-818-1173.

See the flyer for complete financing details.

Explore homeownership at 7219 Melrose Ln, Rosharon, with $10,193.58 in Down Payment Assistance and a $10,000 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The previously prepared scenario shows an estimated refund of $247.74 at closing after crediting earnest money already paid. With a $3,397.86 earnest money deposit, estimated net total out of pocket is $3,150.12.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $426.12 per month in Year 1 and $218.16 per month in Year 2. Estimated additional funds needed at closing are $7,483.62, bringing total out of pocket, including earnest money, to $10,881.48.

Explore homeownership at 5306 Atascocita West Trl, with $5,400 in Down Payment Assistance and a $5,400 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: Estimated additional funds needed at closing are $2,942.79. Including the $1,800 earnest money deposit, estimated total out of pocket is $4,742.79.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $225.73 per month in Year 1 and $115.57 per month in Year 2. Estimated additional funds needed at closing are $7,038.43, bringing total out of pocket, including earnest money, to $8,838.43.

Explore homeownership at 18522 Anderwood Forest Dr, Richmond, with $11,877 in Down Payment Assistance and an $11,877 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: Estimated additional funds needed at closing are $898.75. The buyer also pays $3,959 in earnest money, equal to 1% of the purchase price, bringing the estimated total out of pocket to $4,857.75.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $496.49 per month in Year 1 and $254.19 per month in Year 2. Estimated additional funds needed at closing are $9,906.92. Including the $3,959 earnest money deposit, estimated total out of pocket is $13,865.92.

Discover an exceptional homeownership opportunity at 8111 Summer Wind Ct, Sugar Land, TX 77479. This spacious Greatwood home offers 5 bedrooms, 3.5 bathrooms, approximately 4,527 square feet, a home office, and a game room.

The financing scenarios include $17,997 in Down Payment Assistance and a $17,997 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $5,999 in earnest money, equal to 1% of the purchase price, with only $135.01 in additional funds needed at closing. The estimated total out of pocket is $6,134.01.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $744.89 per month in Year 1 and $380.73 per month in Year 2. After paying the $5,999 earnest money deposit, estimated additional funds needed at closing are $13,642.38, bringing the estimated total out of pocket to $19,641.38.

Explore homeownership at 21577 Starry Night Dr, New Caney, TX 77357. This home offers 3 bedrooms, 3 bathrooms, approximately 1,621 square feet, a two-car garage, an open-concept layout, granite finishes, and no back neighbors.

The financing scenarios include $7,499 in Down Payment Assistance and a $7,499 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $2,499.90 in earnest money, equal to 1% of the purchase price, and receives an estimated $225.85 refund at closing. The estimated net total out of pocket is $2,274.05.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $313.51 per month in Year 1 and $160.51 per month in Year 2. After paying the $2,499.90 earnest money deposit, estimated additional funds needed at closing are $5,462.34, bringing the estimated total out of pocket to $7,962.24.

Explore homeownership at 24214 Cornell Park Ln, Katy, TX 77494, located in Katy Creek Ranch. This inviting home offers 3 bedrooms, 2 bathrooms, approximately 1,863 square feet, a two-car garage, an open-concept layout, no carpet, and a study or flexible-use room.

The financing scenarios include $8,985 in Down Payment Assistance and an $8,985 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $2,995 in earnest money, equal to 1% of the purchase price, with only $320.50 in additional funds needed at closing. The estimated total out of pocket is $3,315.50.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $375.59 per month in Year 1 and $192.30 per month in Year 2. Estimated additional funds needed at closing are $7,135.22. Including the $2,995 earnest money deposit, the estimated total out of pocket is $10,130.22.

Discover coastal living at 2415 31st St, Galveston, TX 77550. This charming seaside bungalow offers 2 bedrooms, 1 bathroom, approximately 1,148 square feet, an updated quartz kitchen, and a convenient location near the Seawall.

The financing scenarios include $13,470 in Down Payment Assistance and a $13,470 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $4,490 in earnest money, equal to 1% of the purchase price, and receives an estimated $1,622.24 refund at closing. The estimated net total out of pocket is $2,867.76.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $563.08 per month in Year 1 and $288.29 per month in Year 2. Estimated additional funds needed at closing are $8,594.15. Including the $4,490 earnest money deposit, the estimated total out of pocket is $13,084.15.

Discover an exceptional opportunity at 27039 Flower Isle Ln, Katy, TX 77493, in the desirable Sunterra community. This fully furnished home offers 4 bedrooms, 4 bathrooms, approximately 2,600 square feet, a two-car garage, a game room, and a covered patio.

The financing scenarios include $15,750 in Down Payment Assistance and a $15,750 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $5,250 in earnest money, equal to 1% of the purchase price, and receives an estimated $2,302.42 refund at closing. The estimated net total out of pocket is $2,947.58.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $658.39 per month in Year 1 and $337.08 per month in Year 2. Estimated additional funds needed at closing are $9,643.23. Including the $5,250 earnest money deposit, the estimated total out of pocket is $14,893.23.

Discover modern living at 18414 Kilbowie Pl, Richmond, TX 77407, in the desirable Aliana community. This spacious home offers 4 bedrooms, 3 bathrooms, approximately 2,828 square feet, a two-car garage, an open-concept floor plan, and modern finishes.

The financing scenarios include $17,700 in Down Payment Assistance and a $17,700 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $5,900 in earnest money, equal to 1% of the purchase price, with an estimated $3,812.46 in additional funds needed at closing. The estimated total out of pocket is $9,712.46.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $732.60 per month in Year 1 and $374.44 per month in Year 2. Estimated additional funds needed at closing are $17,096.93. Including the $5,900 earnest money deposit, the estimated total out of pocket is $22,996.93.

Explore homeownership at 10706 Thorncliff Dr, Humble, TX 77396. This move-in-ready home offers 2 bedrooms, 1 bathroom, approximately 1,012 square feet, a one-car garage, a covered patio, and no backyard neighbors.

The financing scenarios include $5,370 in Down Payment Assistance and a $5,370 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $1,790 in earnest money, equal to 1% of the purchase price, with an estimated $3,028.73 in additional funds needed at closing. The estimated total out of pocket is $4,818.73.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $224.48 per month in Year 1 and $114.93 per month in Year 2. Estimated additional funds needed at closing are $7,101.62. Including the $1,790 earnest money deposit, the estimated total out of pocket is $8,891.62.

Discover spacious modern living at 2360 Seaglass Dr, Katy, TX 77493, in the desirable Sunterra community. Built in 2024, this home offers 5 bedrooms, 3.5 bathrooms, approximately 3,797 square feet, a two-car garage, a spacious floor plan, and access to Sunterra’s community amenities.

The financing scenarios include $19,950 in Down Payment Assistance and a $19,950 Closing Cost Contribution.

Choose the financing benefit that works best for you:

• Low Cash to Close: The buyer pays $6,650 in earnest money, equal to 1% of the purchase price, and receives an estimated $131.56 refund at closing. The estimated net total out of pocket is $6,518.44.

• Lower Monthly Payments: Add a temporary 2-1 rate buydown, with estimated savings of $825.72 per month in Year 1 and $422.04 per month in Year 2. Estimated additional funds needed at closing are $14,841.61. Including the $6,650 earnest money deposit, the estimated total out of pocket is $21,491.61.

Purchase 195 Copper Stream Ln with $10,197 in Down Payment Assistance and $10,197 in Closing Cost Contribution. The low-cash option requires approximately $4,144.67 total out of pocket, including your $3,399 earnest money deposit (1% of the purchase price) plus $745.67 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $426.26/month in Year 1 and $218.24/month in Year 2, with estimated total out-of-pocket funds of $11,878.63, including your earnest money deposit.

Purchase 16315 April Ridge Dr with $16,500 in Down Payment Assistance and $16,500 in Closing Cost Contribution. The low-cash option requires approximately $10,047.89 total out of pocket, including your $5,500 earnest money deposit (1% of the purchase price) plus $4,547.89 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $682.93/month in Year 1 and $349.06/month in Year 2, with estimated total out-of-pocket funds of $22,431.71, including your earnest money deposit.

Purchase 10855 Meadow Glen Ln #928 with $2,790 in Down Payment Assistance and $2,790 in Closing Cost Contribution. The low-cash option requires approximately $4,427.57 total out of pocket, including your $930 earnest money deposit (1% of the purchase price) plus $3,497.57 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $116.63/month in Year 1 and $59.71/month in Year 2, with estimated total out-of-pocket funds of $6,543.65, including your earnest money deposit.

Purchase 5607 Gemstone Park Rd with $11,820 in Down Payment Assistance and $11,820 in Closing Cost Contribution. The low-cash option requires approximately $4,616.02 total out of pocket, including your $3,940 earnest money deposit (1% of the purchase price) plus $676.02 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $494.10/month in Year 1 and $252.97/month in Year 2, with estimated total out-of-pocket funds of $13,580.95, including your earnest money deposit.

Purchase 7238 Neff St with $8,700 in Down Payment Assistance and $8,700 in Closing Cost Contribution. The low-cash option requires approximately $4,007.01 total out of pocket, including your $2,900 earnest money deposit (1% of the purchase price) plus $1,107.01 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $363.68/month in Year 1 and $186.20/month in Year 2, with estimated total out-of-pocket funds of $10,605.57, including your earnest money deposit.

Purchase 10133 Pappas Dr with $8,550 in Down Payment Assistance and $8,550 in Closing Cost Contribution. The low-cash option requires approximately $4,663.21 total out of pocket, including your $2,850 earnest money deposit (1% of the purchase price) plus $1,813.21 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $357.41/month in Year 1 and $182.99/month in Year 2, with estimated total out-of-pocket funds of $11,147.98, including your earnest money deposit.

Purchase 21410 Pebble Grove Ct with $12,570 in Down Payment Assistance and $12,570 in Closing Cost Contribution. The low-cash option requires approximately $4,579.24 total out of pocket, including your $4,190 earnest money deposit (1% of the purchase price) plus $389.24 at closing. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $525.46/month in Year 1 and $269.03/month in Year 2, with estimated total out-of-pocket funds of $14,113.01, including your earnest money deposit

Purchase 6072 County Road 122 with $19,500 in Down Payment Assistance and $19,500 in Closing Cost Contribution. The low-cash option offers an estimated refund of $3,922.36 at closing. After accounting for your $6,500 earnest money deposit (1% of the purchase price), your estimated net out-of-pocket cost is $2,577.64. Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $819.84/month in Year 1 and $419.04/month in Year 2, with estimated total out-of-pocket funds of $17,444.15, including your earnest money deposit.

Purchase 23649 Sage Villa Dr with $11,070 in Down Payment Assistance and $11,070 in Closing Cost Contribution. The low-cash option requires approximately $4,747.65 total out of pocket, including your $3,690 earnest money deposit (1% of the purchase price) plus $1,057.65 at closing.

Prefer lower starting payments? The 2-1 buydown option offers savings of approximately $462.75/month in Year 1 and $236.92/month in Year 2, with estimated total out-of-pocket funds of $13,143.74, including your earnest money deposit.

Make 307 N Resident St, Wharton, TX 77488 yours with $10,500 in Down Payment Assistance and $10,500 in Closing Cost Contribution.

The low-cash option estimates $4,052.29 total out of pocket, including the $3,500 earnest money deposit (1%) plus $552.29 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $438.92/month in Year 1 and $224.72/month in Year 2, with $12,016.06 total out of pocket, including the $3,500 earnest money deposit plus $8,516.06 due at closing.

Make 2111 Umber Elm Ct, Katy, TX 77493 yours with $11,400 in Down Payment Assistance and $11,400 in Closing Cost Contribution.

The low-cash option estimates $4,059.05 total out of pocket, including the $3,800 earnest money deposit (1%) plus $259.05 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $476.55/month in Year 1 and $243.99/month in Year 2, with $12,705.44 total out of pocket, including the $3,800 earnest money deposit plus $8,905.44 due at closing.

Make 4438 Eden Point Ln, Katy, TX 77494 yours with $19,500 in Down Payment Assistance and $19,500 in Closing Cost Contribution.

The low-cash option estimates $11,650.79 total out of pocket, including the $6,500 earnest money deposit (1%) plus $5,150.79 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $807.10/month in Year 1 and $412.52/month in Year 2, with $26,286.22 total out of pocket, including the $6,500 earnest money deposit plus $19,786.22 due at closing.

Make 5207 Monarch Belle Ln, Katy, TX 77493 yours with $11,100 in Down Payment Assistance and $11,100 in Closing Cost Contribution.

The low-cash option estimates $4,658.71 total out of pocket, including the $3,700 earnest money deposit (1%) plus $958.71 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $464.01/month in Year 1 and $237.56/month in Year 2, with $13,077.56 total out of pocket, including the $3,700 earnest money deposit plus $9,377.56 due at closing.

Make 10711 Klaria Crescent Ct, Richmond, TX 77406 yours with $21,750 in Down Payment Assistance and $21,750 in Closing Cost Contribution.

The low-cash option estimates $14,656.03 total out of pocket, including the $7,250 earnest money deposit (1%) plus $7,406.03 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $900.22/month in Year 1 and $460.12/month in Year 2, with $30,980.16 total out of pocket, including the $7,250 earnest money deposit plus $23,730.16 due at closing.

Make 11531 Abriola Ct, Richmond, TX 77406 yours with $20,550 in Down Payment Assistance and $20,550 in Closing Cost Contribution.

The low-cash option estimates $12,392.89 total out of pocket, including the $6,850 earnest money deposit (1%) plus $5,542.89 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $850.56/month in Year 1 and $434.74/month in Year 2, with $27,816.38 total out of pocket, including the $6,850 earnest money deposit plus $20,966.38 due at closing.

Make 26214 Seminole Hill Ln, Katy, TX 77494 yours with $15,750 in Down Payment Assistance and $15,750 in Closing Cost Contribution.

The low-cash option estimates $2,127.33 net out of pocket, accounting for the $5,250 earnest money deposit (1%) minus an estimated $3,122.67 refund at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $658.39/month in Year 1 and $337.08/month in Year 2, with $14,072.98 total out of pocket, including the $5,250 earnest money deposit plus $8,822.98 due at closing.

Make 28003 Twin Knolls Ln, Fulshear, TX 77441 yours with $14,250 in Down Payment Assistance and $14,250 in Closing Cost Contribution.

The low-cash option estimates $5,344.14 total out of pocket, including the $4,750 earnest money deposit (1%) plus $594.14 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $595.68/month in Year 1 and $304.98/month in Year 2, with $16,152.12 total out of pocket, including the $4,750 earnest money deposit plus $11,402.12 due at closing.

Make 19519 Arbor Lodge Dr, Cypress, TX 77433 yours with $16,950 in Down Payment Assistance and $16,950 in Closing Cost Contribution.

The low-cash option estimates $12,131.46 total out of pocket, including the $5,650 earnest money deposit (1%) plus $6,481.46 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $701.55/month in Year 1 and $358.58/month in Year 2, with $24,853.02 total out of pocket, including the $5,650 earnest money deposit plus $19,203.02 due at closing.

Make 28003 Iberville Glen Dr, Katy, TX 77494 yours with $19,170 in Down Payment Assistance and $19,170 in Closing Cost Contribution.

The low-cash option estimates $12,533.49 total out of pocket, including the $6,390 earnest money deposit (1%) plus $6,143.49 due at closing.

Prefer lower starting payments? The 2-1 buydown option offers estimated savings of $793.44/month in Year 1 and $405.54/month in Year 2, with $26,921.24 total out of pocket, including the $6,390 earnest money deposit plus $20,531.24 due at closing.

Discover this 4-bedroom, 3.5-bath home offering 3,474 sq. ft. in Oak Estates at Jacobs Reserve, Conroe. At a scenario purchase price of $795,000, explore $23,850 in Down Payment Assistance (3%) plus $23,850 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: With a 2-1 buydown, save approximately $987.14 per month in Year 1 and $504.55 per month in Year 2. Payment-equivalent rates are 5.375% in Year 1 and 6.375% in Year 2, followed by the 7.375% note rate; estimated APR is 7.517%. Estimated total out-of-pocket funds: $31,104.96, including the $7,950 earnest-money deposit (1%) and $23,154.96 needed at closing.

Option 2 — Lower Cash Needed: Without the buydown, the note rate is 7.375%, with an estimated 7.534% APR. Estimated total out-of-pocket funds: $13,204.71, including the $7,950 earnest-money deposit (1%) and $5,254.71 needed at closing.

Enjoy space to spread out in this 5-bedroom, 3-bath home with 2,695 sq. ft., a pool and spa in Forest Village, Spring. At a scenario purchase price of $387,500, explore $11,625 in Down Payment Assistance (3%) plus $11,625 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: A 2-1 buydown offers estimated P&I savings of $485.95 per month in Year 1 and $248.80 per month in Year 2. Payment-equivalent rates are 4.875% and 5.875%, followed by the 6.875% note rate; estimated APR is 7.223%. Estimated total out-of-pocket funds: $11,813.41, including the $3,875 earnest-money deposit (1%) and $7,938.41 needed at closing.

Option 2 — Lower Overall Cash Outlay: Without the buydown, the note rate is 6.875%, with an estimated 7.245% APR. The worksheet estimates a refund of $878.63 at closing. After accounting for the $3,875 earnest-money deposit (1%), estimated net out-of-pocket funds are $2,996.37. Any refund remains subject to final settlement and program rules.

Discover this 3-bedroom, 2.5-bath farmhouse offering 2,277 sq. ft. on 2.5 acres in Hill Creek, Montgomery. At a scenario purchase price of $725,000, explore $21,750 in Down Payment Assistance (3%) plus $21,750 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: A 2-1 buydown offers estimated principal-and-interest savings of $900.22 per month in Year 1 and $460.12 per month in Year 2. Payment-equivalent rates are 5.375% and 6.375%, followed by the 7.375% note rate; estimated APR is 7.521%. Estimated total out-of-pocket funds: $27,614.16, including the $7,250 earnest-money deposit (1%) and $20,364.16 needed at closing.

Option 2 — Lower Cash Needed: Without the buydown, the note rate is 7.375%, with an estimated 7.538% APR. Estimated total out-of-pocket funds: $11,290.03, including the $7,250 earnest-money deposit (1%) and $4,040.03 needed at closing.

Enjoy room to live, entertain and pursue your hobbies in this updated 3–4-bedroom, 3.5-bath home with 2,240 sq. ft. on 1.39 acres in Clear Creek Forest, Hockley. Features include a private pool, covered patio, remodeled kitchen and climate-controlled workshop.

At a scenario purchase price of $635,000, explore $19,050 in Down Payment Assistance (3%) plus $19,050 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: A 2-1 buydown offers estimated principal-and-interest savings of $788.47 per month in Year 1 and $403.00 per month in Year 2. Payment-equivalent rates are 5.375% and 6.375%, followed by the 7.375% note rate; estimated APR is 7.527%. Estimated total out-of-pocket funds: $24,211.84, including the $6,350 earnest-money deposit (1%) and $17,861.84 needed at closing.

Option 2 — Lower Cash Needed: Without the buydown, the note rate is 7.375%, with an estimated 7.546% APR. Estimated total out-of-pocket funds: $9,914.15, including the $6,350 earnest-money deposit (1%) and $3,564.15 needed at closing.

Discover 18126 Rustic Brook Ct, a 3-bedroom, 2-bath home offering 2,115 sq. ft. in Cypress. Spacious living areas, granite kitchen countertops and a covered patio provide comfortable spaces for everyday living and entertaining.

At a scenario purchase price of $317,000, explore $9,510 in Down Payment Assistance (3%) plus $9,510 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: A 2-1 buydown offers estimated principal-and-interest savings of $397.54 per month in Year 1 and $203.53 per month in Year 2. Payment-equivalent rates are 4.875% and 5.875%, followed by the 6.875% note rate; estimated APR is 7.241%. Estimated total out-of-pocket funds: $11,352.21, including the $3,170 earnest-money deposit (1%) and $8,182.21 needed at closing.

Option 2 — Lower Cash Needed: Without the buydown, the note rate is 6.875%, with an estimated 7.266% APR. Estimated total out-of-pocket funds: $4,139.30, including the $3,170 earnest-money deposit (1%) and $969.30 needed at closing.

Discover 26 Merit Woods Pl, a 4-bedroom, 3.5-bath home with 2,752 sq. ft. in Alden Bridge, The Woodlands. Enjoy a study, game room, inviting front porch and private backyard pool.

At a scenario purchase price of $640,000, explore $19,200 in Down Payment Assistance (3%) plus $19,200 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: A 2-1 buydown offers estimated principal-and-interest savings of $794.68 per month in Year 1 and $406.18 per month in Year 2. Payment-equivalent rates are 5.375% and 6.375%, followed by the 7.375% note rate; estimated APR is 7.527%. Estimated total out-of-pocket funds: $24,259.97, including the $6,400 earnest-money deposit (1%) and $17,859.97 needed at closing.

Option 2 — Lower Cash Needed: Without the buydown, the note rate is 7.375%, with an estimated 7.545% APR. Estimated total out-of-pocket funds: $9,849.70, including the $6,400 earnest-money deposit (1%) and $3,449.70 needed at closing.

Discover this 3-bedroom, 2-bath home offering 1,548 sq. ft. in Northpark Woods, Porter. Built in 2022, it features an open-concept layout and convenient access to Highway 59 and the Grand Parkway.

At a scenario purchase price of $239,000, explore $7,170 in Down Payment Assistance (3%) plus $7,170 in Closing Cost Contribution (3%), subject to eligibility and seller agreement.

Option 1 — Lower Initial Payments: A 2-1 buydown offers estimated principal-and-interest savings of $299.72 per month in Year 1 and $153.45 per month in Year 2. Payment-equivalent rates are 4.875% and 5.875%, followed by the 6.875% note rate; estimated APR is 7.273%. Estimated total out-of-pocket funds: $10,013.28, including the $2,390 earnest-money deposit (1%) and $7,623.28 needed at closing.

Option 2 — Lower Cash Needed: Without the buydown, the note rate is 6.875%, with an estimated 7.303% APR. Estimated total out-of-pocket funds: $4,575.16, including the $2,390 earnest-money deposit (1%) and $2,185.16 needed at closing.

Discover 3515 Mallard Pass Ln in Pine Mill Ranch—a spacious home featuring 5 bedrooms, 3.5 bathrooms, 4,753 square feet, and a private pool. Based on a $769,000 purchase scenario, explore two financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown offers a 5.375% payment rate in Year 1, 6.375% in Year 2, and the 7.375% note rate beginning in Year 3 (7.518% APR). Save $954.86 per month in Year 1 and $488.05 in Year 2. Estimated total buyer funds: $30,585.85.

Lower upfront funds: Without the buydown, the note rate is 7.375% (7.535% APR), with estimated total buyer funds of $13,271.01.

Welcome to 10135 Stafford Hill Cv in Cinco Ranch Southwest! This spacious Katy home offers 4 bedrooms, 3.5 bathrooms, and 4,123 square feet. Based on a $785,000 purchase scenario, choose between two financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 5.375% payment rate in Year 1, 6.375% in Year 2, and the 7.375% note rate beginning in Year 3 (7.518% APR). Save $974.72 per month in Year 1 and $498.20 in Year 2. Estimated total buyer funds: $31,300.20.

Lower upfront funds: Without the buydown, the note rate is 7.375% (7.534% APR), with estimated total buyer funds of $13,625.11.

Discover 1527 Park Birch Lane in Memorial Parkway! This corner-lot home offers 3 bedrooms, 2 bathrooms, and 1,737 square feet, featuring granite kitchen countertops, a spacious walk-in pantry, and a large backyard with mature trees.

Based on a $299,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: With a 2-1 buydown, the payment rate is 4.875% in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.247% APR). Worksheet savings are $374.97 monthly in Year 1 and $191.98 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $10,693.03.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.273% APR). Estimated total buyer funds: $3,889.69.

Discover 11 Lakecrest Ln in the gated Wildwood Shores community of Huntsville! This to-be-built home offers a planned 3-bedroom, 2-bathroom layout with 1,500 square feet, an open living area, and a covered patio. Enjoy community amenities including pools, boat ramps, and recreation areas near Lake Conroe.

Based on a $335,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.236% APR). Worksheet savings are $420.11 monthly in Year 1 and $215.09 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $10,777.12.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.260% APR). The worksheet estimates a $195.35 refund at closing, resulting in estimated net total buyer funds of $3,154.65, including earnest money.

Discover the possibilities at 1301 Briarcliff St in Lake Chateau Woods! This 3-bedroom, 2-bathroom home with 960 square feet sits on an oversized lot, offering room for your renovation vision with convenient access to The Woodlands, shopping, and dining. Offered as-is.

Based on a $185,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.310% APR). Worksheet savings are $232.00 monthly in Year 1 and $118.78 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $8,156.00.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.346% APR), with estimated total buyer funds of $3,946.58.

Welcome to 9610 Beckwood Post Dr in Canyon Lakes at Stonegate! This spacious home offers 3 bedrooms, 2.5 bathrooms, and 2,299 square feet, with convenient access to shopping, dining, and major highways.

Based on a $299,900 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.247% APR). Worksheet savings are $376.10 monthly in Year 1 and $192.56 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $10,546.32.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.272% APR), with estimated total buyer funds of $3,722.50.

Discover 9951 Chimney Swift Ln in Montgomery Creek Ranch! This inviting home offers 3 bedrooms, 2 bathrooms, and 1,818 square feet, with convenient access to The Woodlands, shopping, dining, and I-45. Community amenities include a pool, splash pad, and playground.

Based on a $255,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.265% APR). Worksheet savings are $319.79 monthly in Year 1 and $163.73 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $9,755.13.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.293% APR), with estimated total buyer funds of $3,952.95.

Welcome to 12379 Pebble View Dr in the gated Pebble Glen on the Lake community! This spacious home offers 4 bedrooms, 4.5 bathrooms, and 3,416 square feet, featuring two downstairs suites, an island kitchen, a game room, a media room, and a covered patio. Enjoy community access to a private boat ramp, pool, and recreation areas near Lake Conroe.

Based on a $569,000 purchase scenario, explore two conventional financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 5.375% payment rate in Year 1, 6.375% in Year 2, and the 7.375% note rate beginning in Year 3 (7.533% APR). Worksheet savings are $706.52 monthly in Year 1 and $361.12 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $22,717.43.

Lower upfront funds: Without the buydown, the note rate is 7.375% (7.553% APR), with estimated total buyer funds of $9,905.80.

Discover 10804 Longleaf Dr in Lake Chateau Woods! This single-story home offers 3 bedrooms, 2 bathrooms, and 1,250 square feet, with a spacious lot, mature trees, and convenient access to I-45 and The Woodlands.

Based on a $220,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.284% APR). Worksheet savings are $275.90 monthly in Year 1 and $141.25 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $8,589.69.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.316% APR), with estimated total buyer funds of $3,583.89.

Discover 18815 Ribolla Dr in Tavola West! Built in 2024, this inviting home offers 4 bedrooms, 2 bathrooms, and 1,720 square feet, featuring an open-concept living area, a modern kitchen, and a private primary suite.

Based on a $259,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.263% APR). Worksheet savings are $324.80 monthly in Year 1 and $166.29 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $10,484.26.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.291% APR), with estimated total buyer funds of $4,591.08.

Welcome to 21394 Kings Mill Ln in the Kings Mill community! This spacious home offers 4 bedrooms, 3 full bathrooms, and 2,971 square feet, with inviting living spaces and convenient access to Kingwood shopping and dining.

Based on a $395,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.222% APR). Worksheet savings are $495.36 monthly in Year 1 and $253.62 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $12,685.87.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.244% APR). The worksheet estimates a $251.82 refund at closing, resulting in estimated net total buyer funds of $3,698.18, including earnest money.

Discover 24131 Fielding Reach Ln in Auburn Trails at Oakhurst! This spacious home offers 4 bedrooms, 3.5 bathrooms, and 2,732 square feet on a cul-de-sac lot with a large backyard. Enjoy an open-concept layout, a granite island kitchen, and a covered patio.

Based on a $335,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.236% APR). Worksheet savings are $420.11 monthly in Year 1 and $215.09 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $12,021.12.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.260% APR), with estimated total buyer funds of $4,398.65.

Discover 3 Meadowlark, Trinity, TX 75862! This 3-bedroom, 2-bathroom manufactured home with 1,064 square feet sits on a wooded lot in gated Westwood Shores, with community amenities including golf, swimming, sports courts, and access to the Lake Livingston lifestyle.

Based on a $41,500 purchase scenario, the worksheets illustrate two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution, subject to lender confirmation of property and program eligibility:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.877% APR). Worksheet savings are $52.04 monthly in Year 1 and $26.65 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $5,571.19.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.877% APR), with estimated total buyer funds of $4,626.92.

Welcome to 108 Stran St, Wharton, TX 77488! Built in 2024, this single-story home offers 3 bedrooms, 2 bathrooms, and 1,421 square feet, featuring an open-concept layout, a spacious kitchen, and a private primary suite with an ensuite bathroom and walk-in closet.

Based on a $150,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.391% APR). Worksheet savings are $188.11 monthly in Year 1 and $96.31 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $6,911.32.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.391% APR), with estimated total buyer funds of $3,498.27.

Discover 579 Warsaw St, Bayou Vista, TX 77563! This canal-front home offers 4 bedrooms, 3 bathrooms, and 2,176 square feet, with flexible living spaces, outdoor entertaining areas, and peaceful water views just minutes from Galveston.

Based on a $419,900 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.217% APR). Worksheet savings are $526.58 monthly in Year 1 and $269.60 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $13,166.31.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.238% APR). The worksheet estimates a $586.94 refund at closing, resulting in estimated net total buyer funds of $3,612.06, including earnest money.

Welcome to 611 Orchid Hill Dr E, Conroe, TX 77301! Located in Cedar Woods, this single-story home offers 4 bedrooms, 2 bathrooms, and 1,952 square feet, with an inviting kitchen and flexible space for everyday living, guests, or a home office.

Based on a $254,900 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.265% APR). Worksheet savings are $319.66 monthly in Year 1 and $163.66 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $10,120.77.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.293% APR), with estimated total buyer funds of $4,320.86.

Discover 3200 Hoover St, La Marque, TX 77568! This home offers 4 bedrooms, 2 bathrooms, and 1,654 square feet, featuring an open-concept layout, a spacious island kitchen, a welcoming front porch, and a large backyard with room to enjoy the outdoors.

Based on a $319,500 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.240% APR). Worksheet savings are $400.68 monthly in Year 1 and $205.14 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $10,500.37.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.265% APR). Estimated funds due at closing are $35.57, bringing estimated total buyer funds to $3,230.57, including earnest money.

Welcome to 7010 Grassland Vista Ln, Katy, TX 77493! This two-story home offers 4 bedrooms, 2.5 bathrooms, and 2,248 square feet in the master-planned Elyson community. Enjoy a striking curved staircase, an open-concept kitchen with quartz countertops, a downstairs primary suite, and a covered patio. Community amenities include pools, fitness facilities, sports courts, and walking trails.

Based on a $355,000 purchase scenario, explore two FHA financing options with 3% down payment assistance and a 3% Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.231% APR). Worksheet savings are $445.20 monthly in Year 1 and $227.93 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $13,330.13.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.254% APR), with estimated total buyer funds of $5,252.58.

Discover 9542 Bearden Creek Ln, Humble, TX 77396! This single-story home in Fall Creek offers 3 bedrooms, 2 bathrooms, and 2,014 square feet, featuring a whole-home backup generator, private access gate, and garage attic lift.

Based on a $375,000 purchase scenario, explore two FHA financing options with 3% down payment assistance ($11,250) and a 2% Closing Cost Contribution ($7,500):

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.217% APR). Worksheet savings are $470.28 monthly in Year 1 and $240.77 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $15,000.28.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.217% APR), with estimated total buyer funds of $6,467.67.

Welcome to 12726 Tullich Ln, Humble, TX 77346! Built in 2020, this two-story home offers 4 bedrooms, 2.5 bathrooms, and 2,803 square feet in Balmoral. Enjoy high ceilings, a granite island kitchen, a downstairs primary suite, a spacious double game room, and a two-car garage.

Based on a $379,999 purchase scenario, explore two FHA financing options with $11,399.97 in down payment assistance and a $7,980 Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.216% APR). Estimated savings are $476.55 monthly in Year 1 and $243.98 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $15,461.23.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.192% APR), with estimated total buyer funds of $6,814.86.

Discover 13602 Kodiak Brown Bear St, Crosby, TX 77532! Located in Kodiak Crossing, this home offers 3 bedrooms, 2 full bathrooms, and 2,284 square feet on a corner lot. Built in 2016, it features an open layout and a two-car garage.

Based on a $264,900 purchase scenario, explore two FHA financing options with $7,947 in down payment assistance and a $5,640 Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.213% APR). Estimated savings are $332.20 monthly in Year 1 and $170.08 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $12,244.80.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.243% APR), with estimated total buyer funds of $6,217.38.

Welcome to 13610 Hammond Hills Ln, Houston, TX 77044! This spacious Summerwood home offers 4 bedrooms, 3.5 bathrooms, and 3,628 square feet, featuring a home office, a two-car garage, and no rear neighbors.

Based on a $455,000 purchase scenario, explore two FHA financing options with $13,650 in down payment assistance and a $9,300 Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.184% APR). Estimated savings are $570.60 monthly in Year 1 and $292.14 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $17,230.31.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.206% APR), with estimated total buyer funds of $6,877.41.

Discover 13726 Sandy Bend Ct, Houston, TX 77044! This Summerwood home offers 4 bedrooms, 2.5 bathrooms, and 2,872 square feet on a cul-de-sac with a greenbelt setting. Enjoy high ceilings, granite countertops, and spacious living areas.

Based on a $355,000 purchase scenario, explore two FHA financing options with 3% down payment assistance ($10,650) and a 2% Closing Cost Contribution ($7,100):

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.220% APR). Estimated savings are $445.20 monthly in Year 1 and $227.93 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $14,584.16.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.220% APR), with estimated total buyer funds of $6,506.61.

Discover 15703 Harding Bend Dr, Humble, TX 77346! Built in 2019, this Balmoral home offers 3 bedrooms, 2 full bathrooms, and 1,536 square feet, featuring flexible living space, a large backyard, and a pergola for outdoor enjoyment.

Based on a $299,990 purchase scenario, explore two FHA financing options with $8,999.70 in down payment assistance and a $5,980 Closing Cost Contribution:

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.205% APR). Estimated savings are $376.21 monthly in Year 1 and $192.61 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $13,468.07.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.232% APR), with estimated total buyer funds of $6,642.21.

Discover 20169 Langwell Dr, Porter, TX 77365! Built in 2020, this Brookwood Forest home offers 3 bedrooms, 2 full bathrooms, and 1,502 square feet, featuring an open-concept layout, a granite kitchen, a covered patio, and a two-car garage.

Based on a $237,000 purchase scenario, explore two FHA financing options with 3% down payment assistance ($7,110) and a 2% Closing Cost Contribution ($4,740):

Lower monthly payment: A 2-1 buydown provides a 4.875% payment rate in Year 1, 5.875% in Year 2, and the 6.875% note rate beginning in Year 3 (7.221% APR). Estimated savings are $297.21 monthly in Year 1 and $152.17 in Year 2, compared with this option’s full-rate payment. Estimated total buyer funds: $11,713.33.

Lower upfront funds: Without the buydown, the note rate is 6.875% (7.253% APR), with estimated total buyer funds of $6,320.72.

This impressive 4-bedroom, 3-bath Toll Brothers home offers approximately 3,078 sq. ft. of thoughtfully designed living space with an open-concept layout, private home office, flexible living areas, spacious kitchen, covered outdoor living and numerous structural and design upgrades.

With approximately $16,050 in Down Payment Assistance plus a collective target of approximately $16,050 in Buyer’s REALTOR® and Seller Closing Cost Contributions, qualified buyers may have two attractive ways to purchase this home:

Option 1 — Buy With Less Out of Pocket Use available Down Payment Assistance and Closing Cost Contributions to substantially reduce the amount of money needed at closing.

1% Earnest Money: $5,350

The earnest-money deposit is included when calculating the buyer’s total estimated out-of-pocket funds and is credited appropriately toward the transaction at closing.

That means a qualified buyer may be able to purchase this $535,000 home without bringing the traditional large down payment and closing-cost amount to the closing table.

Option 2 — Lower Your Starting Monthly Payment with a Temporary 2-1 Buydown Instead of using all available funds strictly to minimize upfront costs, the transaction may be structured so additional eligible funds are applied toward a temporary 2-1 rate buydown.

This impressive 5-bedroom, 4-bath home offers approximately 3,583 sq. ft. of living space on a premium cul-de-sac lot in the desirable Westwood community. Built in 2023, the home features soaring ceilings, abundant natural light, an open-concept layout, fireplace, private study, game room, separate media room, expansive backyard and an oversized 3-car garage. Westwood also offers lakes, walking trails, parks and a community pool.

With approximately $19,500 in Down Payment Assistance plus a collective target of approximately $19,500 in Buyer’s REALTOR® and Seller Closing Cost Contributions, qualified buyers may have two attractive ways to purchase this home:

Option 1 — Buy With Less Out of Pocket Use available Down Payment Assistance and Closing Cost Contributions to substantially reduce the amount of money needed at closing.

1% Earnest Money: $6,500

The earnest-money deposit is included when calculating the buyer’s total estimated out-of-pocket funds and is credited appropriately toward the transaction at closing.

That means a qualified buyer may be able to purchase this $650,000 home without bringing the traditional large down payment and closing-cost amount to the closing table.

Option 2 — Lower Your Starting Monthly Payment with a Temporary 2-1 Buydown Instead of using all available funds strictly to minimize upfront costs, the transaction may be structured so additional eligible funds are applied toward a temporary 2-1 rate buydown.

This beautifully upgraded 2-bedroom, 2-bath single-story home offers approximately 1,460 sq. ft. of comfortable, low-maintenance living in Del Webb Sweetgrass, a premier 55+ community. The home features tile flooring, Silestone countertops, stainless steel appliances, a relaxing primary suite, covered screened-in patio, fenced backyard, sprinkler system and a 2-car garage. Community amenities include pools, fitness facilities, pickleball and tennis courts, walking trails, clubhouse amenities and social activities.

With approximately $8,850 in Down Payment Assistance plus a collective target of approximately $8,850 in Buyer’s REALTOR® and Seller Closing Cost Contributions, qualified buyers may have two attractive ways to purchase this home:

Option 1 — Buy With Less Out of Pocket Use available Down Payment Assistance and Closing Cost Contributions to substantially reduce the amount of money needed at closing.

1% Earnest Money: $2,949.90

The earnest-money deposit is included when calculating the buyer’s total estimated out-of-pocket funds and is credited appropriately toward the transaction at closing.

That means a qualified buyer may be able to purchase this $294,990 home without bringing the traditional large down payment and closing-cost amount to the closing table.

Option 2 — Lower Your Starting Monthly Payment with a Temporary 2-1 Buydown Instead of using all available funds strictly to minimize upfront costs, the transaction may be structured so additional eligible funds are applied toward a temporary 2-1 rate buydown.

This beautifully maintained 4-bedroom, 2.5-bath home offers approximately 2,536 sq. ft. in the desirable Glen Laurel community. Highlights include hardwood flooring, granite kitchen countertops, refreshed bathrooms, a spacious upstairs game room, a brand-new roof installed in July 2026, a newer fence and a stunning private swimming pool remodeled with updated equipment.

With approximately $12,000 in Down Payment Assistance plus a collective target of approximately $12,000 in Buyer’s REALTOR® and Seller Closing Cost Contributions, qualified buyers may have two attractive ways to purchase this home:

Option 1 — Buy With Less Out of Pocket Use available Down Payment Assistance and Closing Cost Contributions to substantially reduce the amount of money needed at closing.

1% Earnest Money: $3,999.90

The earnest-money deposit is included when calculating the buyer’s total estimated out-of-pocket funds and is credited appropriately toward the transaction at closing.

That means a qualified buyer may be able to purchase this $399,990 Sugar Land home without bringing the traditional large down payment and closing-cost amount to the closing table.

Option 2 — Lower Your Starting Monthly Payment with a Temporary 2-1 Buydown Instead of using all available funds strictly to minimize upfront costs, the transaction may be structured so additional eligible funds are applied toward a temporary 2-1 rate buydown.

This modern 4-bedroom, 3.5-bath single-story home offers approximately 2,546 sq. ft. of thoughtfully designed living space in the Sendero community. Built in 2023, it features soaring ceilings, a bright open layout, an oversized quartz-island kitchen, dedicated home office, formal dining area, spacious family room, smart-home features and an extended covered patio overlooking the backyard and community green space.

With approximately $11,700 in Down Payment Assistance plus a collective target of approximately $11,700 in Buyer’s REALTOR® and Seller Closing Cost Contributions, qualified buyers may have two attractive ways to purchase this home:

Option 1 — Buy With Less Out of Pocket Use available Down Payment Assistance and Closing Cost Contributions to substantially reduce the amount of money needed at closing.

1% Earnest Money: $3,899.90

The earnest-money deposit is included when calculating the buyer’s total estimated out-of-pocket funds and is credited appropriately toward the transaction at closing.

That means a qualified buyer may be able to purchase this $389,990 home without bringing the traditional large down payment and closing-cost amount to the closing table.

Option 2 — Lower Your Starting Monthly Payment with a Temporary 2-1 Buydown Instead of using all available funds strictly to minimize upfront costs, the transaction may be structured so additional eligible funds are applied toward a temporary 2-1 rate buydown.