SETH 5 Star Texas Advantage Program

No First Time Homebuyer Requirement

Our SETH 5 Star Program provides eligible homebuyers several options for a loan program that meets their needs. The program provides down payment and closing cost assistance when purchasing a home. The maximum Assistance is 5% and is based on the final loan amount. Grants are provided for Conventional loans with no repayment or recapture. Assistance for Government loans is provided as a Community Second and is completely forgive after 3 years. There are no monthly payments for the assistance provided with either option. The program also provides a 30 year fixed rate mortgage. Mortgage options are FHA, VA, USDA and Conventional.

This program is available in Texas but outside of Travis County and the city limits of El Paso and Grand Prairie. Buyers must be income limits (see below) and will be required to complete the SETH on-line Homebuyer Education Course.

  • No First Time Homebuyer Requirement
  • Minimum FICO Score of 640
  • Maximum Sales Price: $484,350
  • Meet Program Income Limits
  • Obtain Mortgage and Assistance Approval from a Program Lender


Program Income Limits: FHA/VA USDA
Program Income Limits: Charter Level Conventional Income Limits
Program Income Limits: Expanded Conventional Income Limits
Max Sales Price Limits: FHA   VA/USDA/Conventional: $484,350

Ready to become a Homeowner?

Your first step is to contact a Participating Lender for approval. We have a list of Lenders available for each program. You are also welcome to call or email us for suggestions of Lenders in your area.

All of our programs will require the completion of our on-line
Homebuyer Education Class. The class must be completed before you purchase your home.

For more information, please contact Nell Turk at 281.484.4663 x 107.