If you’re a teacher looking for affordable ways to purchase a new home in the state of Texas, 有几个可用的程序, 包括 德州英雄之家, Teacher Next Door and Good Neighbor Next Door. These state-backed initiatives provide financial home buyer assistance for qualified professional educators in the state, 只要申请人满足一定的条件 合格标准.
Have you been thinking about buying a new home? 虽然它可能会让人望而生畏, there are many 资源 available to teachers and other educators that can make the process a little easier. Here are three programs that you might want to consider:
德州英雄之家项目 成立于2003年 as a loan program for firefighters and law enforcement members, but was expanded to cover more categories of public servants in 2005. This program offers affordable mortgages and grant-funded financial assistance statewide on a first-come, 谁涨基础. Unlike loans, these grants do not require repayment.
The purpose of the 德州英雄之家计划 is to provide home loans for teachers and other public servants in Texas, especially those in need of financial assistance to purchase homes. This assistance can be used to cover upfront costs, 首付, 关闭成本, 或者预付房屋所有权所需的费用. These fees and charges can be extremely expensive, preventing public servants from purchasing and maintaining residences.
根据德州英雄之家计划, 全职公立K-12教师, 老师的助手, 学校图书馆员, 注册学校辅导员, and school nurses are eligible for the following types of loan assistance in the state of Texas:
有资格参加 德州英雄之家计划, teachers must meet the following requirements:
When it comes to home loans for teachers in Texas, first-time home buyers and Texas 首页 Heroes loan recipients can also apply and qualify for a 按揭资信证明, which is a type of interest tax credit that lowers the total amount of annual federal income taxes a homeowner must pay.
Professional teachers (pre-K through 12th grade) looking for affordable ways to purchase homes also have access to the US Department of Housing and Urban Development’s (HUD's) 邻家好邻居计划.
HUD provides a generous financial discount of 50% off the total list price of a particular dwelling, so long as the buyer promises to use it as their primary residence for at least 36 months.
Single-family homes that are eligible for this program are typically located in targeted revitalization neighborhoods and are listed for sale for one week. Properties available as part of the 邻家好邻居计划 that are for sale in Texas 可以在这里找到. HUD asks applicants to agree to a second mortgage and note for the discounted financial amount.
Teachers in Texas are eligible for financial grants of up to $4,170 through the 隔壁老师计划, which is available to pre-K through 12 teachers, 学校管理人员, 以及其他教育工作人员. Additionally, educators may qualify for up to $10,681 of down payment assistance. 合格的申请者 可以在这里申请.
德州英雄之家项目, 隔壁老师计划, and 邻家好邻居计划 were designed to give teachers and other professional educators affordable ways to purchase homes in the state of Texas. If you’re a public educator, this type of loan assistance may be available to you. 学习如何 德州科技信用社可以帮你买 你梦想的家.