"PHOTOGRAPH"
"Madefor you"
20 programs and 2 guides: zero down, Texas grants, bank grants, veteran loans, house hacking and credit. Each one ranked, explained in plain numbers and checked against its official source on October 11, 2026.
Six questions. Your programs.
Programs stack. A veteran can pair VA with the Texas Veterans Land Board. A Frisco ISD teacher may use both Homes for Texas Heroes and Frisco DPA. A family in Dallas can layer state help with a bank grant.
Every program, ranked.
The Texava Score weighs what matters to a buyer: cash saved 40%, ease to qualify 25%, speed and paperwork 15%, fewer strings 20%. It is our comparative assessment, built from the official rules of each program.
22 guides. Real numbers.
Each guide has who qualifies, how it works step by step, a worked example in dollars, pros and cons, what most agents never explain, and what it stacks with.
Before the program.
Which score a mortgage lender actually pulls, what moves it, and the minimum for every program.
Strategy / 2 to 4 unitsHouse hackingLive in one unit, rent the rest. VA 0%, FHA 3.5%, conventional 5% on 2 to 4 units.
Guide / Buying outside TexasBuying outside TexasHow Albert finds, vets and introduces a licensed agent in your city, at no extra cost to you.
The programs are public. Knowing what stacks is not.
Albert Angarita, Realtor® / TX #0773351"PHOTOGRAPH"Builder
Ten years managing luxury builds at MTR Contractors, his family's Frisco firm.
Attorney
Attorney review on every transaction through Angarita Law.
Vetted lenders
Lenders who actually close these programs, matched to the program you choose.
Bilingual
Every conversation and document in English or Spanish. 1,858 families helped, $120M in transactions.
Tell me what you need.
One form. You get the packet for every guide you explored, a vetted lender match and a direct reply from albert@texava.com.
"TEXAVA HQ"Where should I send it?
Your packet is on its way.
Every guide you explore before you leave gets added to the next packet. Keep reading below.
New programs, builder incentives and what is moving in DFW. On his feeds first.