For Realtors

Texas Realtors® are a valuable source of information for potential homebuyers who may need special assistance in buying a home. The Texas State Affordable Housing Corporation (TSAHC) welcomes your participation in assisting our borrowers achieve homeownership.

Fixed Rate Loans with Granted Downpayment Assistance
TSAHC provides 30-year fixed rate mortgage loans to eligible homebuyers wishing to achieve the American dream of homeownership through a network of participating lenders across the state. In addition to a low interest rate, our programs offer down payment and closing cost assistance in the form of a grant. For more information on our Professional Educators, Homes for Texas Heroes and Home Sweet Texas Home Loan Programs, please click here.   

Mortgage Credit Certificates
TSAHC also provides an annual tax credit to qualifying first-time homebuyers through the issuance of a Mortgage Credit Certificate (MCC).  With an MCC, the qualified homebuyer is eligible to write off a portion of the annual interest paid on the mortgage as a special tax credit, up to $2,000, each year that they occupy the home as their principal residence.  This credit reduces the federal income taxes of the homebuyer, resulting in an increase in the homebuyer's net earnings.  An increase in net earnings results in the greater homebuyer capacity to qualify for the mortgage loan.  An MCC has the potential of saving the homebuyer thousands of dollars over the life of the loan. For more information on our Mortgage Credit Certificate Program, please click here.  

Become a Texas Affordable Housing Specialist
Some Texas Realtors have gone the extra mile and have undergone a 12-hour certification program that arms them with special knowledge about statewide affordable housing resources and products. Under the "How to Qualify” section of our website, TSAHC encourages borrowers to work with those Realtors with this designation.  Should you wish to become certified, please contact the Professional Development staff at the Texas Association of Realtors at (800) 873-9155.