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Credit Repair Program

There is NO such thing as broken credit therefore there’s NO such thing as credit repair. You cannot repair nor restore a thing that cannot be broken.

Houston Realty Associate is neither a Credit Repair nor a Credit Restoration company. When dealing with credit issues, I am trained to first educate, then originate, and finally, implement a unique strategy for each home buyer. The goal of our program is to help you qualify for a home mortgage based on mortgage lending guideline requirements.

Houston Realty Associate has been assisting credit-challenged home buyers since 2004. Our 3 step system is simple:

  • Educate – Learn how credit works and understand what mortgage lenders look for in a prospective borrower. Understand the mathematics behind credit scoring.

  • Originate – Establish a game plan to overcome credit issues and prepare for a home mortgage. A detailed plan, unique to the home buyer will be put in place.

  • Implement – Take action by working towards the goal of obtaining a mortgage loan. Our Realtors® will hand walk the home buyer through the entire process from start to finish.

The Newhomeprograms.com Credit Enhancement Program™ in Houston has helped hundreds of first-time home buyers, repeat home buyers, and sellers since 2004, and still today, it’s FREE!

First Time Home Buyers Programs

First time home buyers are now benefiting from down payment assistance programs through their state, counties, and cities across the United States of America. We have helped hundreds of families with down payment assistance up to $45,000 as well as first time home buyer mortgages designed to lower their monthly mortgage payment by hundreds of dollars.


A “first-time homebuyer” is classified as a potential home buyer who has not owned a home within the last (3) three years from the time they purchase their next home.
In some cases, the “first-time homebuyer” requirement can be waived.


If you are ready to learn more about the First Time Home Buyer Program, please contact us today with no obligation.

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Luxury Home Buyers

Luxury real estate is normally defined as properties with an appraised value of $1 Million+ or selling at three times the average price of properties in a specific area.

Whether you are a lavish buyer or simply want to purchase a home outside conforming loan limits, we have the program for you!

Luxury Home Buyer Benefits include:

  • Loans up to $25 Million

  • As low as 11% down payment

  • Low interest rates on Fixed and ARMS

  • No Private Mortgage Insurance

  • Option to waive escrows regardless down payment

  • Work with a REALTOR® who is a Luxury Home Specialist

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