Southeast Texas Housing Finance Corporation (SETH) promotes affordable housing opportunities for low to moderate-income eligible Texans. For more than 40 years, SETH has met our community’s housing needs with a variety of programs that include assistance with home purchases and rental housing for residents and seniors. We have helped over 30,000 Texas homebuyers with their home purchase by providing $160 million in down payment and closing cost assistance. These programs also provide financing with fixed-rate FHA, VA, USDA, or conventional mortgage products.

Our SETH homebuyer education is offered in a web-based format. The education course creates a knowledgeable and default-resilient homebuyer ready for a lifetime of successful homeownership. The class is available 24/7 and offered in English or Spanish. We are proud to be the first local housing finance agency in the US to adopt homebuyer education as part of our approach to creating successful homebuyers.

Our SETH Mortgage Credit Certificate (MCC) is available at no cost to first-time homebuyers purchasing a home in our incorporating jurisdictions. The SETH MCC Program provides a refundable tax credit equal to 20% of the mortgage interest paid annually on your mortgage loan. MCCs may be combined with our Homeownership Programs.

Ready to get started on the path to homeownership?  Contact a program lender today!