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By Marysol Calvillo Elite Properties LLC Katy, Cypress & Hockley TX Real Estate
If you've been sitting on the fence about buying a home in Katy, Cypress, or Hockley Texas — asking yourself whether now is really the right time — I want to share something that came across my desk today that might just change your answer.
For most buyers in the 77084 and 77095 zip codes, the number one obstacle isn't qualifying for a loan. It isn't even the interest rate. It's the down payment. Saving up 3.5% to 20% of a home's purchase price while paying rent, covering living expenses, and trying to build any kind of financial cushion feels almost impossible — especially when home prices in West Houston and Northwest Houston have remained strong.
That's why what I learned today from Vanessa Ortega, Loan Officer at TDECU, stopped me in my tracks.
TDECU, Texas's own credit union, offers a loan program called Easy In 30 Year — a fixed rate mortgage with no down payment required and no PMI (private mortgage insurance). That means no extra monthly insurance tacked onto your payment just because you didn't put 20% down.
On a $325,000 home — which is very realistic in the Katy and Cypress market right now — a traditional FHA down payment would run you over $11,000 before you even get to closing costs. With a zero down program, that barrier disappears.
TDECU also offers a full suite of loan products including FHA loans, conventional loans through Fannie Mae, VA loans for veterans and active duty service members, jumbo loans, condo loans, land loans, construction-to-permanent loans, and financing for investment properties and second homes.
Here's where it gets really special. TDECU has a Community Champions Program designed specifically for the people who dedicate their lives to serving others. If you fall into any of these categories, you qualify for exclusive homeownership benefits:
If you are a teacher at Katy ISD, a nurse at a Houston area hospital, a Harris County deputy, a firefighter, or a veteran — this program was built with YOU in mind. And as of now, retirees in these fields qualify too.
You have spent your career serving this community. It is time for this community to give something back.
The honest answer — it depends on your personal situation. But here is what the market looks like right now in West and Northwest Houston:
The buyers who win in this market are not the ones who waited for perfect conditions. They are the ones who found the right program, worked with the right team, and made a move while others were still waiting.
I am Marysol Calvillo, your Katy and Cypress TX real estate broker with Elite Properties LLC. My job is not just to find you a home — it is to connect you with the right resources to get you there. Whether you are a first time buyer, relocating to the Houston area, or a community champion who has earned every benefit available to you, I am here to guide you every step of the way.
Call or text me: 713-213-9593 Email: Marysol@txeliteproperties.com Learn more: https://beacons.ai/marysol_d_it
Serving Katy TX, Cypress TX, Hockley TX and the greater West Houston and Northwest Houston area — zip codes 77084 & 77095
Marysol Calvillo Licensed Real Estate Broker Elite Properties LLC
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