My Choice Texas Home

My Choice Texas Home是面向Statewide，Texas购房者的延期第二贷款。 My Choice Texas Home is TDHCA's non-bond statewide homeownership program. It is the repeat-buyer / non-FTHB counterpart to My First Texas Home. The program provides a 30-year fixed-rate first mortgage paired with up to 5% DPA as a 0% second lien. Because it is funded with TBA execution rather than tax-exempt mortgage revenue bonds, there is no first-time-homebuyer requirement and no IRS purchase price cap. TDHCA's My Choice Texas Home pairs a 30-year fixed-rate first mortgage (FHA, VA, USDA, or HFA-preferred conventional) with down payment and closing-cost assistance of up to 5% of the loan amount. The DPA is structured as a 0% interest, no-monthly-payment second lien (deferred / due-on-sale) and is forgiven in many cases per program guidance. Available statewide with no first-time-homebuyer requirement, making it ideal for repeat buyers and move-up purchases. Borrowers may also combine the loan with TDHCA's Texas Mortgage Credit Certificate (MCC) when offered for additional federal income tax savings. 资金来自TBA (To-Be-Announced) capital markets execution; non-bond。

My Choice Texas Home为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due upon sale, refinance, payoff of first mortgage, or non-occupancy as primary residence。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

My Choice Texas Home面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO for Government (FHA/VA/USDA) and Conventional loans; some lenders may require 640 for manual underwriting。 须参加购房者教育课程，由HUD-approved or TDHCA-approved homebuyer education provider required (Texas Homebuyer U online course commonly used)提供。 居住要求：Property must be in Texas and occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 Borrower must occupy the property as primary residence. Income limit is set at 'household' (qualifying borrower) income up to ~$244,630 (statewide top tier reflecting MSA-specific limits with TBA / non-bond execution). No purchase price cap separately imposed by TDHCA on this product (subject to agency loan limits). Homebuyer education required. DPA second lien is forgivable / due-on-sale per current program structure; verify current repayment terms on the TDHCA program page since terms have shifted between forgivable-3-year and deferred-due-on-sale across recent program cycles.

My Choice Texas Home将家庭收入限制在$244,630。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

My Choice Texas Home的房价上限如下：No TDHCA-imposed sales-price cap (TBA / non-bond execution); subject to FHA/VA/USDA county loan limits and conforming conventional limits. 符合条件的房屋类型包括Single-family detached, townhomes, condos meeting agency approval, eligible PUDs, eligible manufactured homes。 新建房屋符合条件。 预制房屋符合条件。

My Choice Texas Home在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

My Choice Texas Home服务于在Statewide，Texas购房的购房者。

My Choice Texas Home的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lenders reserve via TDHCA's online lender portal on first-come, first-served basis预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。