Skip To Main Content

Navigation

The and the Texas Department of Housing and Community Affairs (TDHCA) offer programs specifically for Texans:

If your score is under 500, consider renting for 6–12 months while using a secured credit card to build a fresh payment history.

Buying a home in with a lower credit score is challenging, but the state offers several specific programs and pathways designed to help residents overcome credit hurdles. 1. Explore Government-Backed Loans