Home Buyer Guides — That Gardening Realtor

That Gardening Realtor · San Antonio TX

Home Buyer Guides

Every loan program, financing option, and buyer resource — explained clearly. Free. No pressure.

Most buyers know about 2-3 of these. The rest could change what's possible for you.

Start Here

🔑

First-Time Home Buyer's Guide Start Here

Credit myths, down payments, pre-approval, your full roadmap to homeownership, explained simply

›

Zero Down Programs

🎖

VA Home Buyer Guide

Zero down · No PMI · Lifetime benefit · Veterans, active military, Guard & Reserve, surviving spouses

›

🌾

USDA Home Buyer Guide

Zero down · Schertz, Cibolo, Floresville, Devine, Castroville and suburban SA areas

›

💰

Down Payment Assistance Guide

TSAHC, SETH GoldStar, City HAP — stack programs to get close to zero out of pocket

›

Hidden Programs — Most Buyers Never Know These Exist

🔨

VA Renovation Loan Hidden Gem

Buy a fixer-upper AND finance the repairs with zero down · VA eligible buyers only · Most agents don't know this exists

›

⭐

Texas Veterans Land Board (VLB) Texas Only

3 separate programs for Texas veterans: home loans, land loans (5+ acres), home improvement loans — all below-market rates

›

🔄

Assumable Mortgage Guide Rate Lock

Take over a seller's 3% VA or FHA loan in a 7% market · Save $600–$800/month · Most buyers have no idea this is possible

›

🏞️

Land Buyer's Guide South Texas

Utilities, road access, structures, lender gotchas, and financing options for rural and recreational land

›

Professional & Specialty Programs

🩺

Physician / Professional Loan

MD, DO, DDS, DVM, PharmD, PA, NP · No PMI · Student loans excluded · Zero to 10% down

›

🏫

Teacher & First Responder Program

Below-market rate + DPA grant for Texas teachers, police, fire, EMS, and corrections officers

›

🆔

ITIN / Non-Traditional Borrower Loan

For ITIN holders, DACA recipients, and self-employed borrowers — buy a home without a Social Security Number

›

Standard Programs

📋

All 15 Loan Programs — Complete Reference

FHA, Conventional, Jumbo, 203k Rehab, One-Time Close Construction, and all programs in one place

›

Not sure which program fits your situation? Most buyers qualify for more than they think. Let's find out.

📞 Call Chris — 210-942-0487

Chris Drawdy · That Gardening Realtor · eXp Realty · San Antonio TX

chris.drawdy@exprealty.com · getrealtytx.com · Leave a Review