Are you trying to get a house for free, or "almost" free? The 2 ways to do that are securing 1 of 2 different loans: 1. Veterans Loan or 2. USDA Loan.
Veterans Loan: These Loans are available for those who are veterans from the armed forces (Army, Navy, Marines, Coast Guard, and National Guard. There are specific time frames that must be met to qualify as a veteran and the discharge must be honorable. Contact your local Realtor or Realtor that is a Military Relocation Professional. By using this loan a vet can go to closing without having to put any money down and roll all the closing costs (i.e. appraisals, inspections, etc.) into the loan.
USDA Loan: These loans are available for those willing to live in a rural or semi-rural area. Eligible locations can be found by clicking here. Generally in the Austin Area one has to purchase in Leander, Hutto, Manor, Buda, Kyle, and Driftwood. These locations are valid as of November 30,2016. As population increases in these ares, they will be removed from the eligible areas list. The closing costs for this loan need to still be covered. However, your Realtor may be able to negotiate the seller into contributing some money into the closing costs. Depending on how much the seller is willing to contribute, a buyer could potentially go in on closing day and not have to pay any money at closing.
If you have any questions or looking for a Realtor who can help with selling or purchasing a home, feel free to reach out to me, Jacob Hyde.
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"We moved to the Austin area in early 2017 and Violet was instrumental in helping us find our first home. She was readily available to show us neighborhoods and homes as well as taking our calls and answering questions. She helped us throughout the entire process and always had resources & statistics for us to review. My husband is a finance guy -- so he appreciated having numbers to analyze as well as home-price comparisons between neighborhoods. She was attentive to our preferences and made great efforts to satisfy each one.
We were both new to Austin and to the process of buying a new home, after having rented for numerous years. Violet is very knowledgeable as to the process of buying a home and we didn't have any uncertainty about what to expect or what was next. Violet is also a great resource as to each neighborhood including details as to the schools, shopping & community.
She is extremely thoughtful and caring! For instance once we closed & moved, she helped us find a table for our kitchen.
We have recommended Violet to our family and friends. Now that we are settled into our new home & neighborhood, we sort of miss our weekend house-hunting adventures with Violet!"