Become a Homeowner in Texas

Nick Barta

Texas' #1 Lender for Down Payment Assistance

Get Up to $25,000 Towards Your Down Payment

Simplifying Texas Home Financing & Down Payment Assistance

Looking for a straightforward path to owning a home in Texas? The Nick Barta Team is here to help. No complicated terms, no unreachable standards. Just real help for real people wanting to make their home ownership dreams come true. Whether it's sorting out credit issues, navigating income requirements, or just finding the best down payment assistance out there, we're on your side.

Eligibility

You don’t need to be a first-time homebuyer to get assistance.

Credit Flexibility

You don't need perfect credit to qualify. Let's discuss options.

Income Guidelines

The programs accommodate a variety of income levels.

Ready to Take the Next Step?

Let’s make it happen! With the Nick Barta Team, you’re not just another application. You’re a neighbor looking for a place to call home. We’re committed to providing personalized support, answering your questions, and giving you the confidence to move forward. No more waiting. Your Texas home journey starts now.

Get Prequalified Today

Partnering with Texas' Top DPA Programs

Discover the best Down Payment Assistance (DPA) programs available in Texas, right here with us.

As a participating lender, we are proud to work with these top-tier programs, bringing you a step closer to securing your dream home.

Discover Your DPA Options

Statewide Down Payment Assistance Programs

1. Texas State Affordable Housing Corporation (TSAHC)

Programs: Homes for Texas Heroes & Home Sweet Texas
Benefits:
- 30-year fixed-rate mortgage
- Up to 5% down payment and closing cost assistance (as a grant or 2nd lien)
Eligibility:
- First-time and repeat homebuyers
- Income & purchase price limits apply
- Minimum credit score of 620
Special focus: Teachers, police officers, firefighters, EMS, veterans, and other public service professionals

2. Texas Department of Housing and Community Affairs (TDHCA)

Programs: My First Texas Home & My Choice Texas Home
Benefits:
- DPA up to 5% of loan amount
- Offered as a forgivable or repayable second lien
Eligibility:
- Must meet income and purchase price limits
- Credit score minimum: 620
- Must complete a homebuyer education course
My First Texas Home: For first-time buyers only
My Choice Texas Home: Available to all eligible buyers

3. City & County-Specific Programs

-City of Dallas - Homebuyer Assistance Program (DHAP)

Assistance: Up to $50,000 for down payment, closing costs, and principal reduction
Eligibility: Income limits apply; must buy in Dallas city limits

-City of Houston – Homebuyer Assistance Program

Assistance: Up to $30,000 in DPA
Eligibility: First-time homebuyers; property must be in city limits; income limits apply

-Travis County – Hill Country Home Program

Benefits:
- 30-year fixed rate with 4–5% DPA as a grant
- No first-time buyer requirement
- Available in Travis County (including Austin)

Choose the Nick Barta Team

Your Local Home-Buying Champions

Step into your dream home in Texas with confidence, backed by a team that lives and breathes the Lone Star State.

From powerful down payment assistance options to personalized local support, here’s why Texans trust us:

Your Local Lending Experts: Based right here in Texas, we understand the neighborhoods, the market, and what it takes to make homeownership happen—right where you want to be.
Best-in-Class DPA Programs: We connect you to top-tier Down Payment Assistance programs across Texas to help make home buying more affordable than ever.
A Track Record You Can Trust: Thousands of Texans have found their forever homes with our help. When you work with us, you’re joining a legacy of happy homeowners.

Let’s turn your homeownership dreams into reality—with a Texas team that truly cares.

Get Started Now

Nick Barta
Division President | Loan Originator
NMLS/MA MLO #25540 | AZ MLO #0927129

*First lien interest rates may be higher when using a DPA second. The Nick Barta Team is affiliated with Security First Financial, a Division of Primary Residential Mortgage, Inc. Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. CO – Regulated by the Division of Real Estate, UCCC #987701-016. AZ – Arizona Department of Financial Institutions 0902614. MA – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. FL - Florida Office of Financial Regulation MLD646. TX - This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. UT - Utah Division of Real Estate #5489480. WY - Wyoming Division of Banking 399.

Your opinion is greatly appreciated, we thank you for visiting this website of Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns, or complaints we invite you to contact us by the email shown here: ConsumerVoice@primeres.com. Emails received during business hours should receive a response within 48 hours, excluding weekends or holidays.

© 2024 Security First Financial, a Division Primary Residential Mortgage, Inc. All rights reserved.

Become a Homeowner in Texas

Nick Barta

Texas' #1 Lender for Down Payment Assistance

Get Up to $25,000 Towards Your Down Payment