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First Time Home Buyer TX Mortgage Resources. Texas mortgage credit certificate program. The Texas Department of Housing and Community Affairs created this tax credit program to help make home ownership more affordable for those with low to moderate income, especially first time buyers.

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VA Home Loans in Texas: The veteran does have to occupy the home as their primary residence.The veteran does not have to be a first time home buyer and may reuse his/her benefit. The lender, not VA, sets the interest rate and discount points, so they may vary from lender to lender.

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