If you have been following my blog this week you have been learning about the First-Time Homebuyers Program administered by the Neighborhood Resources Division of the City of Wichita Falls, Texas.  Now you are most likely wondering

HOW DO I APPLY? 

First you must apply for a standard mortgage loan (no sub-prime loans allowed) for one of the Participating Lenders, which you can find on my website or from a a recognized mortgage lender who agrees to meet program requirements.  Just mention to your lender or REALTOR(R) that you want to apply for the First-Time Homebuyers assistance through the City of Wichita Falls. (You can apply for a loan and the First-Time Homebuyers Program even before you have found a home!)

Now What?

After your lender pre-qualifies you for a mortgage loan, call the First-Time Homebuyers Program at 761-7448 for an appointment.  Bring with you:

  • Your real estate contract
  • A copy of the loan application that the lender may have provided you
  • Copies of recent earnings
  • Income and benefits statement for all members of the household.

The City of Wichita Falls Neigborhood Resources Division will explain the program requirements, answer any questions you may have, and give you an application to fill out and return.

After you return your application and sales contract to the First-Time Homebuyers Program, they will schedule an inspection of the property to determine if the home meets the required federal and local property standards.

Now, if you are a little overwhlemed by all that is involved, please feel free to contact me and I will be happy to answer any questions.  And, remember, NOW is the time to start building the future you have always dreamed of!