The Frost Progress Mortgage is designed to make homeownership attainable for all:

• Borrowers who make less than 80% of the area median income¹ will receive $4,000 toward total closing costs
• Borrowers with subject properties located in a low-to-moderate-income census tract who make 80%-110% of the area median income¹ will have no administrative fee
• Financing up to 100% available
• Lower monthly payments
• No minimum loan amount
• 30-year fixed rate

For borrowers who earn less than 80% of the area median income

• For Prospective Homeowners

The SaveNow Casa Verde Weatherization Program helps income-qualifying homeowners and renters reduce energy loss (and costs) with free energy efficiency improvements.

FREE ENERGY EFFICIENCY UPGRADES MAY INCLUDE:

• Attic insulation
• Wall insulation
• Air-sealing measures
• Replacement of incandescent light bulbs with LEDs
• Duct sealing 
  
  Click here to apply

• This is a free program for income-qualified homeowners and renters
• Customer must meet the income guidelines, and the home must meet program guidelines
• Customer or a representative 18 years of age or older must be on the premises at all times while contractors and/or CPS Energy staff are working

Free

If you believe your property value is not accurate, you can protest your property value. 

To do so, when you receive your Notice of Appraised Value, a protest form will be included for your convenience. You can also download a Notice of Protest form by visiting the Forms tab at bcad.org. You can also submit a written statement indicating your desire to protest. Completed protest forms can be:

1. Mailed to: PO Box 830248, San Antonio, TX 78283
2. Emailed to: [email protected]
3. Dropped off in the drop box located in front of our building at 411 N. Frio St., San Antonio, TX 78207
4. You also have the option of e-filing a protest by using the online portal, however, you will need to set up an account to do so.

For more information regarding property value protests, visit Bexar Appraisal Disctrict FAQ page.

The Family Self-Sufficiency (FSS) program is a voluntary five-year incentive program that allows Housing Choice Voucher and Public Housing residents to accrue money in an escrow account as their earned income increases, allowing participants to become self-sufficient.

Any increases in the family’s rent as a result of increased earned income during the family’s participation in the program results in a credit to the family’s escrow account. Once a family successfully graduates from the program, they may access the escrow and use it for any purpose. The FSS program does not affect eligibility for continued housing.

Upon successful completion of the FSS program, the escrow money saved can be used for any financial or educational goal the participant chooses. While completing homeownership and credit counseling classes may be required goals, the main purpose of the FSS program is to educate and transition FSS participants towards economic independence and financial empowerment.

The FSS Coordinator works with FSS participants in creating a plan to meet both individual and program goals. In conjunction with community partners, participants will be assisted with the tools needed to become self-sufficient, including but not limited to:

• Job Skills Training
• Employment counseling
• Educational and scholarship opportunities
• Homeownership classes and counseling
• Financial literacy classes and counseling

Contact an FSS Program Coordinator to make an appointment to begin enrollment and benefit from all the FSS program has to offer.

Find the FSS Interest Form here.

All Bexar County residents receiving assistance through the Housing Authority of Bexar County’s (HABC) Housing Choice Voucher or Public Housing programs are eligible to participate in the FSS program, including all adult family members. As the requirement of the program dictates, only earned wages are calculated for the escrow incentive.

The goal of the Fair Housing/ Housing Counseling Program is to help residents maintain housing stability, which is key to family well-being. The program is a Department of Housing and Urban Development (HUD)-approved housing counseling agency.

The Fair Housing Program provides the following services to rental tenants, homeowners and landlords:

• Tenant and landlord mediation
• Default counseling to homeowners
• Housing Discrimination Complaints
• Referrals and community outreach
• Rent Assistance
• Mortgage Assistance
• Utility Assistance

Limited resources available. Call for information. Re-apply frequently.

Do you need help protesting your property taxes?

We can connect you with a real estate agent that will help at no cost!

To get started, complete the contact form on our website here.

If you are experiencing homelessness, the PATH outreach team can connect you to:

• health care
• income support
• legal services
• mental health treatment
• rehabilitation training in social skills
• social services
• substance use treatment
• ID recovery
• referrals for affordable housing and employment

The PATH Program serves people experiencing homelessness or at risk of homelessness and serious mental illness.

Cross Timber Homes builds high quality single-family homes for San Antonio’s hard working first time home buyers. We are a mission-driven organization dedicated to making homeownership possible for everyone. Our homebuyer requirements enable us to offer our high quality homes at an exceptional price.

1. Clients must be first-time homebuyers.
2. Clients' income must be under 120% the Area Median Income (AMI) as defined by HUD.

• For Prospective Homeowners

Habitat for Humanity of San Antonio is an ecumenical Christian non-profit housing organization working in partnership with God’s people in need to build modest, decent, and affordable houses without interest or profit, thereby witnessing God’s love in action.

Seeking to put God’s love into action, Habitat for Humanity of San Antonio brings people together to build homes, communities, and hope.

Monthly payments average $600 (including taxes and insurance).

In our 40-year history, we have less than a 1.5% foreclosure rate.

We work with families whose total income is between 20% – 70% of the area's median income (AMI).

Families are accepted to the Habitat program based on their need, ability to pay a zero percent interest mortgage, and their willingness to partner.

Applicants must be residents of Bexar County.

Once accepted, homeowners are eligible to buy a home from Habitat with a 20 – 25 year zero percent interest mortgage.

Families spend a minimum of 300 hours investing in “sweat equity,” where they support and help build their own homes and the homes of their neighbors.

Families partner with us and contribute a minimum of 300 hours of sweat equity, 15-20 hours of Home Owner Readiness classes and pay a minimal down payment on their mortgage. Mortgage payments are around $600 a month and include taxes and insurance.

• For Prospective Homeowners

MAUC is launching a housing project, the MAUC Housing Center that will initially start on San Antonio’s Westside. MAUC will begin the project on the Westside and then expand to MAUC’s services areas in San Antonio. The MAUC Housing Center will be a laboratory for addressing housing-related needs and opportunities and can serve as a model for the implementation of new, more equitable housing investment strategies.

The MAUC Community Housing Center will educate, empower and link clients to community partners that will increase economic development opportunities, enhance financial empowerment and wealth building for low to moderate income families.

Our Casas Resident Council allows first-time home buyers to purchase an affordable, single-family home in San Antonio.

Our Casas has provided affordable housing, homebuyer education, and foreclosure prevention services to low-moderate income families since 1990. Our HUD-certified Housing Counseling Agency and City certified Community Housing Development Organization, prepares families for homeownership, and prevents foreclosure. 

Upcoming Affordable Home Projects:

-Westside/Kayton Homes--due by mid-2025, this project consists of three, 3BR, 2BA homes in the Southeast part of San Antonio.

-Apache Creek/Dario Chapa Casitas--due by mid to late-2025, this project continues our production of casitas for $100,000 or less in the near Westside.

The Executive Director of the nonprofit says tackling the affordable housing issue this way helps not just the family, but also improves the neighborhood by removing an empty lot putting a house there.

“It’s helping a family meet that American dream of homeownership that is what has been driving the country forever, and we want to make sure that everyone has an opportunity,” said Zeke Romo, Executive Director of Our Casas Resident Council. "You bringing a vacant lot into the tax rolls for example this home over 100 years will bring in with taxes $5000 per year and no telling other kind of income with the family shopping in the neighborhood and eating at restaurants all over the west side.”

The nonprofit is looking to purchase more vacant lots in different parts of the city where affordable housing is desperately needed.

The organization is already accepting applications for purchase.

“A house is a symbol of opportunity, it’s a symbol of safety, it’s a sanctuary for families,”
-Mayor Ron Nirenberg

As the cost of housing continues to cause economic pressure on San Antonio residents, partnerships with Our Casas Affordable Homes Project are vital,” District 5 Councilwoman Teri Castillo said. “Our families deserve quality housing, and the addition of this home with a casita in the 78207 shows our City’s commitment to supporting San Antonio residents by providing accessible housing.”

The creation of a family home is the culmination of systemwide efforts to align our funding streams, partnerships, and resident services to promote homeownership and reinvestment back into our neighborhoods.

In 2017, the Office of Urban Redevelopment (OURSA) sold five lots to Our Casas to build five single-family homes that would be sold to eligible first-time homebuyers who are earning 80 percent of the Area Median Income or less, which is an annual income of $63,750 for a family of three. 

Affordable homeownership through infill development demonstrates the power of collaborating with our housing partners to expand access to housing stability and opportunity for our families.

To view photos of some of the homes that were built for the program or being worked on click here.

Visit here to learn more about affordable homes and our affordable homes qualifying criteria.

Eligibility for Affordable Home Program

• First-time homebuyer
• U.S citizen or permanent resident
• Must be at 80% AMI or less
• Families or Individuals
• Application can be located here.

Our Mission:
Our Casas organizes motivates, and assists low-income families to move towards self-sufficiency and into the economic mainstream of employment and home ownership.

We provide a unique opportunity to provide current agency clients with relevant information to purchase a new affordable home.  Our comprehensive approach to neighborhood revitalization includes not only affordable housing but also homebuyer education and foreclosure prevention services.

Our Expertise:
With over 30 years of combined experience, our team of builders, architects, and designers has the expertise to handle any project, no matter how complex. We use the latest technology and construction techniques to ensure that our homes are of the highest quality.

You can download the specific criteria for applicants, per Our Casas Resident Council, Inc., here. 

If you would like to contact us for more information regarding the process for the program, contact us here, or by phone at (210) 354-2400 from 9:00 am to 5:00pm Monday thru Friday, or visit OCRC at 2300 W Commerce St Ste #302.

Reduced Cost

• For Prospective Homeowners

Our homebuyer education workshop services prepare individuals and families for homeownership.

Our Casas organizes, motivates, and assists low and moderate income families to move towards self sufficiency and into the economic mainstream of Homeownership.

We provide a unique opportunity to provide current agency clients with relevant information to purchase a new affordable home.

Our comprehensive approach to neighborhood revitalization includes:

• Homebuyer education and foreclosure prevention services
• Mortgage foreclosure mitigation
• Group home ownership education workshops 
• Referrals to other local programs and housing services

Homebuyer education classes inform first-time buyers on the following topics:

• Money management
• Understanding credit
• How to secure a mortgage loan
• How to shop for a home

Our services include, but are not limited to:

• Home buyer’s education seminars with certificate of completion
• Homebuyer education workshops to prepare indviduals and families for homeownership
• Group home ownership education workshops

Our First Time Buyer Education class will help you-

Gain the knowledge and confidence you need to successfully achieve home ownership:

• Learn about affordable home loan programs.
• Learn about local down payment and closing cost assistance programs
• Learn about credit and savings
• Learn about fair housing

Homeownership is an extremely important part of the American Dream.

 It provides stability, pride in your home and financial means to take care of yourself or family members should they need it most The Home Ownership Center helps homeowners through every step from acquisition all while providing educational workshops on how you can better manage what’s going with mortgage payments.

Most agencies believed that homebuyer education and counseling benefited clients at all income levels, but many said that the services most benefited low- to middle-income clients.

Homebuyer education workshops typically are interactive, use a variety of tools, and host guest speakers on specific topics such as the role and services of lenders, real estate agents, insurance agents, home inspectors, and closing attorneys. Some 96 percent of the agencies have lenders, realtors, or housing inspectors teach part of their workshops. Most agencies require the guest instructor to follow the set curriculum, and many have requirements concerning whether the guest instructors can mention their own business, service, or product.

For more information or to sign up for services, call or visit OCRC at 2300 W . Commerce St. Suite 218.

For registration information please call 210-354-2400 or our office location (listed above) or email us at [email protected]

Eligibility:

• Adults 18+
• Registration is required
• Participation in downpayment assistance programs that require homebuyer education or
  counseling.
• Willingness to complete homebuyer education and counseling services.
• English or Spanish language preference.
• Transportation options.
• Accessibility of a computer and the Internet. 

To qualify for low income housing in Texas, you must meet the following income requirements:

Have annual income that is 80% or less of the San Antonio area’s average median income ($70,200 and below for a family of four).

In-Person Homebuyer Education Facts:

• Format-Based around instruction by an inperson trainer.
  Participants attend one or several inperson classroom sessions
  (workshops) at a local HUDapproved homebuyer counseling
  agency
• Duration- 8+ hours
• Variation in content- Moderate—In-person providers cover
  generally similar topics but may vary
  curricular materials and emphasize
  different topics. 
• Participant
  transaction costs-Higher—Participants must schedule in
  advance and travel to sessions.

Each certificate includes a date of completion, but there is no expiration date. Lenders may have specific policies regarding how long certificates are valid after the date of completion.

Our Casas has provided homebuyer education, and foreclosure prevention services to low-moderate income families since 1990.

Reduced Cost.

Housing counseling provides individuals with one-on-one expert advice sessions in which the person's housing needs, financial situations, and goals are discussed.

HUD-Certified Housing Counseling Services
Our Casas provides HUD-certified housing counseling services to help a family purchase its first home through the stages of saving it from potential foreclosure.

We assist low-income families to move towards self-sufficiency and into the economic mainstream of employment and home ownership. 

 Our HUD-certified Housing Counseling Agency and City certified Community Housing Development Organization, prepares families for homeownership, and prevents foreclosure.

We provide a unique opportunity to provide current agency clients with relevant information to purchase a new affordable home.  

Our comprehensive approach to neighborhood revitalization includes not only affordable housing but also homebuyer education and foreclosure prevention services.

Services include:

· Basic homeownership counseling via one-on-one sessions.

· Credit counseling and repair;

· Pre-purchase counseling services for families needing longer than 90 days to close;

· Home buyer’s education seminars with certificate of completion;

· Mortgage foreclosure mitigation;

 ·Mortgage loan pre-qualification

· Group home ownership education workshops;

· Renter/tenant assistance and referrals’

· Foreclosure prevention/Intervention

·Credit counseling and credit repair

·Closing on home purchases as a result of OCRC's counseling services

· And referrals to other local programs and housing services.

“A house is a symbol of opportunity, it’s a symbol of safety, it’s a sanctuary for families,”

-Mayor Ron Nirenberg

Eligibility:

• This program serves low-income individuals and families
• Individuals, families, or groups
• Those who are tenants, homeowners, homeless, or homebuyers, may receive counseling from HUD-approved and HUD funded housing counseling agencies.
• Your household income must be below 80% of the area median income (AMI). The AMI is updated annually by the Department of Housing and Urban Development (HUD) and varies by county.
• You must have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).
• You must be a U.S. citizen or a legal immigrant.
• Activities:

         -Eligible housing counseling activities can include: rental, default,               homeownership, homeless and reverse mortgage counseling for              senior homeowners.

Coverage Area:This program covers residents of the following counties: Bexar County, TX, Comal County, TX and Medina County, TX.

Our Casas has provided affordable housing, homebuyer education, and foreclosure prevention services to low-moderate income families since 1990. Our Casas received 10,000 for Housing Counseling from the Texas Foundations Fund (TFF). The grant will continue to support their already success proven, HUD-approved, comprehensive housing counseling program.

They counsel over 300 prospective home buyers, providing them with the necessary tools and resources to make this transition smoothly. By organizing and motivating these families, Our Casas Resident Council Incorporated plays a significant role in helping them improve their economic standing and secure a more stable future.

Tips Before Applying :

• Get all of your documentation in order: When you apply for low income housing, you will need to provide documentation of your income, assets, and household composition. This documentation may include tax returns, pay stubs, bank statements, and birth certificates.
• Be careful and accurate on all information provided: Any false or misleading information on your application will most likely result in your disqualification.

Housing Counseling Application links-

For Financial Capabilities click here.

For Post Purchase click here.

Want information about housing counseling or foreclosure?

Contact Us-

You can visit us in person at:

Our Casas Resident Council, Inc.
2300 W. Commerce #218, San Antonio, Tx. 78207.

Or

You can reach us by phone at (210) 354-2400, or email at:

[email protected]

From 9:00 am – 5:00 pm Monday through Friday.

Feel free to send us a message here as well.

Free

Our housing counselors provide you with custom - tailored guidance as you prepare for homeownership.

In our session we will:

• Determine how much home you can afford
• Build your credit and reduce debt
• Create a budget and build savings
• Become mortgage ready
• Plan your next steps to start your homeownership journey

Housing counseling appointments are scheduled at your convenience during our business hours. Counseling sessions are typically 60-90 minutes long (depending on your needs) and can be conducted over video call, by phone or in person at our Homeownership Center at 847 Steves Ave.

You will be asked to complete a counseling intake packet and provide us with documentation for your financial assessment. Although all counseling sessions are free of charge, NHSSA charges a $25 fee, per borrower, to obtain your credit report for the housing counseling session.   A credit report is comprehensive and collects data from the three major credit bureaus.  The type of credit report we pull is a "soft inquiry", meaning it will not impact your credit score.  Once you call our offices and decide to set an appointment, an NHSSA counselor will provide you with the counseling intake packet and options to pay for your credit report.

$25 to obtain your credit report 

NHSSA can help you with making smarter overall financial decisions, such as choosing credit products that can help you build or rebuild credit. It can also help you to keep your credit score in a higher range as you monitor your credit report for inaccuracies.

?Click here to view resources and tips on information regarding credit and credit history. 

The Women's Live and Learn Center will address the holistic needs of women ages 18-25 years old, with up to four years of housing, non-parenting and parenting. If parenting, up to 2 children under the age of 8. The program is designed to help women Reconnect, Restore, and Empower via the combination of onsite housing and supportive services rooted in the YWCA mission.

Click here to view The Women's Live and Learn Admission Guide. 

Services:

• Trauma-informed case management.

• Workforce training

• Navigation to post-secondary education or degree programs

• Healthy, wellness, and mental health.

• Early childhood education

• Financial literacy and homeownership training.

The YWCA Olga Madrid Center is a multi-purpose center that is the literal hub of the community, reaching multiple generations in the same families. The Center reflects the community's culture and offers essential services with dignity and respect.

The Fair Housing Council of South Texas staff conducts housing counseling services for consumers who want to know about their rights under the Texas Property Code and Fair Housing Act.

Staff provide consumers with information about their rights, make suggestions about how to resolve their housing issue, and, as appropriate, make referrals to other organizations that may be able to assist the consumer with a non-fair housing related problem.

A housing counseling session can also be done in person at our office by appointment only. To make an appointment, please call (210) 733-3247, ext. 101.

There are no fees for consumers and consumers can remain anonymous—not give their name

The Neighborhood Assistance Corporation of America (NACA) provides comprehensive housing counseling and access to an incredible mortgage.

The NACA Mortgage offers everyone the same below-market fixed interest rate with no down-payment, no closing costs, fees, points, or PMI.

Eligibility:

• Member or anyone in the household cannot own another property when they close on the NACA mortgage.
• Member must occupy the home as long as they have a mortgage obtained through NACA.

• For Prospective Homeowners

The Neighborhood Assistance Corporation of America (NACA) assists homeowners who have unaffordable mortgages.

Unlike a refinance, mortgage modification can change the interest rate or term of your current mortgage. Our advocates will help you negotiate with your lender based on your financial hardship.

Signing up below is the first step in the Home Save program for at-risk homeowners needing an affordable mortgage payment or homeowners needing funds to make important repairs. Click here to sign up.

Any homeowner can apply for a mortgage modification, even if you did not get your mortgage through NACA. To start your HomeSave process you must first become a NACA Member.

Our advocates can help you for free, whether or not you got your mortgage through us.

Everything’s Included®

Everything your new home needs 

Lennar has reimagined the homebuying experience by including the most desired home features at no extra cost to you. All features and products can vary by community and homesite.

• Smart home technology
• Energy-conscious features
• Modern interiors & exteriors

Ask about wheelchair-accessible homes that everyone can live in.