Getting Started


The SETH 5 Star Program provides down payment and closing cost assistance for your home purchase.  The program also provides a 30 year fixed rate mortgage.  Mortgage options include FHA, USDA, VA and Conventional financing. Maximum amount of assistance provided is 5% of your loan amount.  Assistance is provided in the form of a forgivable community second loan, forgiven after 3 years.  Grants are available with select FHA loan types and also for Charter Level Income Conventional loan products.  Our Loan Officers can help you decide which option is the best choice for you.

This program is available in Texas but outside of Travis County and the city limits of El Paso, McKinney and Grand Prairie. Buyers must be income eligible (see below) and will be required to complete the SETH on-line Homebuyer Education Course.



       Eligibility Requirements:

  • Mortgage Approval with a Program Lender

  • Meet Program Income Limits

  • Minimum FICO Score of 640

  • Complete SETH HBE Course

  • Maximum Purchase Price: $484,350

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Contact A Program Lender


Homebuyer Education

Choosing Your Course:

  • Purchase Transactions: If you are the only borrower on the mortgage loan, you will choose the Red Button. If there are multiple borrowers on the loan, then each borrower will select the Blue Button below.  You will complete the Homebuyer Education course.

  • Refinancing:  Only one borrower is required to complete the Post Purchase Education, use the Red Button

Step 1

Choose an option below and create an account.  If there are multiple borrowers registering, you will need to enter the co-borrower’s email address and name.

Step 2

You will submit your course payment in the Complete Purchase Section. The cost for Homebuyer Education is $100 if there is one borrower and $60 each if there are 2 or more borrowers on the mortgage loan. The cost for Post Purchase Education is $75.

A certificate is provided upon completion and is required for the 5 Star Program.  The certificate is valid for 12 months.  Courses are offered in Spanish and English.

Contact SETH

Nell Turk: Homebuyers 

Rhonda Mitchell: Lenders

11111 S Sam Houston Parkway East  Houston, TX 77089    281.484.4663


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