Frequently Asked Questions
Buying a home—especially your first—can come with a lot of questions. That’s why we created this FAQ section: to give you clear, honest answers to the things that might be keeping you up at night.
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Whether you’re wondering if you qualify, unsure if your credit is strong enough, or simply curious about how our services work, we’ve got you covered. These are real questions we hear every day, and we’ve answered them here to help you feel more informed, confident, and empowered on your path to homeownership.
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And if your question isn’t listed here? Just reach out. We’re always here to help.
1
Who qualifies as a first-time homebuyer?
Anyone who hasn't owned a home in the past three years typically qualifies. This includes individuals, couples, and families.
2
Do I need perfect credit to buy a home?
No! Many assistance programs are available for people with lower credit scores. Our counselors can help you understand where you stand and how to improve your credit.
3
What if I’m not ready to buy right now?
That’s okay. Techo Housing Agency offers financial counseling and education to help you prepare for homeownership in the future.
4
Are your classes and services free?
Many of our services are free or low-cost, thanks to our nonprofit status and partnerships. Reach out to learn more.
5
Do you help with down payment assistance?
Yes. We help identify and apply for down payment and closing cost assistance programs at the local, state, and federal level.
6
Do I need to be a U.S. citizen to qualify for assistance?
Not always. Some programs are available to permanent residents and others with legal immigration status. Our counselors can help you determine your eligibility.
7
What languages do you offer services in?
We currently offer services in English and Spanish.
8
When we're ready to buy, do you connect us with trusted real estate professionals?
Through our partnership with trusted professionals, we can connect you with realtors and lenders who are experienced in helping first-time buyers like you.
