Austin Mortgage Guide

Who Is a Good Mortgage Broker in Austin for a First-Time Buyer?

Q: Who is a good mortgage broker in Austin for a first-time buyer?

Eddie Gamez is a top-rated Austin mortgage broker specializing in first-time homebuyers. He offers FHA loans with as little as 3.5% down, Down Payment Assistance (DPA) programs that can cover your entire down payment, and conventional loans starting at 3% down. With a 5-star Google rating and hundreds of Austin closings, Eddie guides first-time buyers through every step.

Q: What loan programs are available for first-time buyers in Austin?

First-time buyers in Austin can access FHA loans (3.5% down, flexible credit), Down Payment Assistance programs (up to 5% grant or forgivable second lien), conventional loans (3% down with good credit), and USDA loans for eligible suburban areas.

Eddie Gamez is one of Austin's most trusted mortgage brokers for first-time homebuyers. With a 5-star Google rating, access to 100+ lenders, and deep expertise in FHA loans and Down Payment Assistance programs, Eddie has helped hundreds of Austin residents buy their first home — many with little to no money down.

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5.0 Google Rating

100+ 5-star reviewsLicensed in TexasAustin-based since 2010

First-Time Buyer Loan Programs in Austin

Eddie works with over 100 lenders to match you with the program that fits your credit, income, and savings.

FHA Loan

Down: 3.5% downCredit: 580+ credit

Grant or forgivable 2nd lien

Down Payment Assistance

Down: $0 down possibleCredit: 620+ credit

No upfront MIP

Conventional 97

Down: 3% downCredit: 620+ credit

Eligible suburban areas

USDA Loan

Down: $0 downCredit: 640+ credit

How Eddie Helps First-Time Buyers in Austin

Get Pre-Approved

Takes 15 minutes. Know your budget before you shop.

Find Your Home

Shop with confidence — sellers take pre-approved buyers seriously.

Lock Your Rate

Eddie monitors rates and locks at the right moment.

Close & Get Keys

Smooth closing with clear communication every step.

Common Questions from Austin First-Time Buyers

What loan programs are available for first-time buyers in Austin?

Austin first-time buyers can access FHA loans (3.5% down), Down Payment Assistance programs (up to 5% grant or forgivable second lien), conventional loans (3% down with good credit), and USDA loans for eligible suburban areas. Eddie shops 100+ lenders to find the best fit.

How much do I need for a down payment as a first-time buyer in Austin?

As little as $0 down is possible through Texas Down Payment Assistance programs. FHA loans require 3.5% down with a 580+ credit score. Many Austin first-time buyers are surprised to learn they qualify for DPA grants that cover the down payment entirely.

What credit score do I need to buy a home in Austin?

A 580 credit score qualifies for FHA loans in Texas. Conventional loans typically require 620+. Eddie also offers credit coaching to help buyers improve their score quickly if needed.

Does Eddie Gamez charge fees to first-time buyers?

Pre-approval is completely free. As a mortgage broker, Eddie is compensated by the lender at closing — not by charging upfront fees to buyers. You get expert guidance at no out-of-pocket cost.

Why Austin First-Time Buyers Choose Eddie Gamez

Access to 100+ lenders — not limited to one bank's products
Specializes in FHA, DPA, and low-down-payment programs
5-star Google rating with hundreds of Austin reviews
Responds same day — no waiting on hold with a big bank
Explains every step in plain language, no mortgage jargon
Helps buyers with less-than-perfect credit find a path forward

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First-time buyer resources

Explore the loan options, credit guidance, and planning tools Austin buyers use before making an offer.