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First-Time Homebuyers Have Several Options  

A first time homebuyer is defined by IRS as "If you had no present interest in a main home during the 2-year period ending on the date of acquisition of the home which the distribution is being used to buy, build, or rebuild. If you are married, your spouse must also meet this no-ownership requirement."

There are a myriad of programs designed to assist first time homebuyers with the purchase of their first home. Aside from nationally supported programs, the State of Texas offers programs such as the following.

Texas Mortgage Credit Certification Program

This program increases a family's disposable income by reducing its federal income tax obligation. This credit is available for the term of the mortgage as long as the borrower occupies the property as their primary residence.

Texas Department of Housing and Community Affairs

Another array of popular first time home buyer programs is offered by the Texas Department of Housing and Community Affairs. Not all Lenders offer these programs—Vision Mortgage Company, Ltd. does. Visit the Department website for program restrictions and applicability. Call Armando Barbosa for an appointment to review which program may work for you and your family.

Texas Dept of Savings & Mortgage Lending Recovery Fund Notice

These materials are not from HUD or FHA and this document was not approved by the Department or Government Agency.
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Vision Mortgage Company, Ltd.
In the Lincoln Center Building at Callaghan and I.H. 10 West
7800 I.H. 10 West, Suite 112 ~ San Antonio, Texas 78230-4768 ~ U.S.A.
Office: 210.348.0077 ~ Fax: 210.348.0542 ~ Cellular: 210.823.LOAN (5626)
Residential Mortgage Loan Originator NMLS ID# 340140
Company NMLS ID# 338634


Vision Mortgage Company is in the Lincoln Center, I-10 at Callaghan in San Antonio, Texas.

Please be advised that under FCC guidelines, Vision Mortgage Company, Ltd. does not accept unsolicited fax advertisements from any sources.

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