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Homebuyer Education

All homebuyers using the SETH 5 Star Program will be required to complete our SETH on-line Homebuyer Education Course. 


Select from the choices below to launch our Homebuyer Education Course. You will choose the Red Button if you are the only borrower on the mortgage loan. If there are multiple borrowers on the mortgage loan, then each borrower will select the Blue Button below. All borrowers on the mortgage loan will register and complete the Homebuyer Education Course on their own. The class is offered in English or Spanish.

Step 1

Choose an option below to begin 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 the course is $100 if there is one borrower on the mortgage loan (Individual) and $60 each if there are 2 or more borrowers on the mortgage loan (Couple.)

Each borrower on the mortgage loan will need to complete their homebuyer education course at their own pace.

When you finish this course, you will be provided with a completion certificate. This certificate will be required by your Lender. Remember- if there are multiple borrowers on your mortgage loan, each borrower will need to have a completion certificate in their own name.

We encourage you to complete your course as early in the home buying process as possible. The course provides great information and helps to give a greater understanding of the home buying process. Your certificate is valid for 12 months and the class fee is non-refundable.


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.  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


Contact A Program Lender

Program Lender List

Purchase Prices Limits:

FHA Max Sales Price Limits 

USDA/VA/Conv Max Sales Price Limit: $484,350

Income Limits:

FHA/VA Loan Products

USDA Loan Products

Charter Level: Conventional

Expanded Limits: Conventional

Contact SETH

Nell Turk: Homebuyers 

Rhonda Mitchell: Lenders

11111 S Sam Houston Parkway East  Houston, TX 77089    281.484.4663


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