Ready to buy a home? Get homebuyer ready.

Whether you are in the process of buying a home with us, or you are working toward becoming “homebuyer ready”, these resources can help you meet your goals.

Buying a home is a big step, whether it’s through the CLT or on the conventional market. No matter how you buy your home, you should familiarize yourself with the following materials to make sure you and your finances are ready.

Consumer Financial Protection Bureau

Click here for an explanation on how to check your credit score, with links to Equifax, Experian, TransUnion, and www.annualcreditreport.com for people to check their credit scores

Click here to see how to check your credit score and why it’s important.

Click her for a walk through on  how to check your credit score for mistakes.

Click here for information on how to improve and maintain a good credit score.

Click here to learn more about debt-to-income ratios.

Note: the front-end ratio (mortgage payment in relation to income) should be a maximum of 35% back-end ratio (debts AND mortgage payments in relation to income) should be a maximum of 42%

The CFPB “Buying a home guide” is a collection of many helpful tips, walking through what to expect when searching for a home and how closing on a home works.

Freddie Mac

This collection of links walks prospective homebuyers through deciding whether they are ready to buy, how borrowing works, where to find a lender/realtor/housing counselor, etc.

This interactive calculator allows people to put in their own financial specifications and offers a home price and mortgage payment estimate/recommendation.

This collection of information discusses homeowner responsibilities, maintenance, mortgage assistance, and understanding your home’s value.

American Bar Association

This collection of links walks prospective homebuyers through deciding if they are ready to buy, how borrowing works, where to find a lender/realtor/housing counselor/interpreter, etc.

This interactive set of graphs lets people plug in their info, price range, and current market trends; and it offers a specific price point at which it’s better to rent than to buy.

Approved Lenders

Craig Greenburg – Craig.Greenberg@LHFS.com

Omar Enriquez – omar.enriquez@amegybank.com

David Rosales – david.rosales@amegybank.com

Kathryn Hunter – Kathryn.joneshunter@usbank.com

Shirley Penn – shirley.penn@usbank.com

Pedro Beascochea – pedro.beascochea@commercebank.com

Amrita Gaurav – amrita.gaurav@bxs.com

Nigel Hypolite – nhypolite@origin.bank

KaShana Bray – kbray@origin.bank

Felicia Rhodes – Felicia.Rhodes@ccm.com

Alyson Griffin – Alyson.Griffin@ccm.com

Jessica Roberts – jessica.roberts@ccm.com

Jennifer Grube – Jennifer.Grube@ccm.com

Homebuyer Education and Financial

  • Locations throughout Texas
  • 866-515-2227
  • Provides Budget Worksheet

Homebuyer Education and Financial Coaching

Local Nonprofits Providing Assistance and Education for New Homebuyers

Homebuyer education courses empower new homebuyers with knowledge and resources so they can succeed as homeowners. Our local partner agencies not only offer these courses, they also offer personalized financial coaching services to qualified homebuyers. A financial coach can help you become “homebuyer ready” by helping you create a plan to enhance your credit, build savings, and reduce debt.

Approved Lenders

Ready to Apply for a Mortgage?

Harris County Land Trust-approved lenders are familiar with the community land trust model and its special financing requirements. Not all lenders offer community land trust mortgage products, so working with an approved lender is required for all homebuyers.