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  1. – The fha loan program has always been popular with first time home buyers because it requires a lower down payment (as low as 3.5%) and accepts borrowers with lower credit scores. There are also several different types of FHA programs available to borrowers, such as the rehab and energy efficient mortgage.

    Government First Time Home Buyer Loans The Texas Department of Housing and Community Affairs, or TDCHA, offers first-time home buyer programs to assist qualified borrowers in the Lone Star state. Some national loan programs also have.Texas Barndominium