The Frost Progress Mortgage is designed to make homeownership attainable for all:

• For borrowers who earn less than 80% of the area median income
• No down payment for qualified borrowers
• Includes a 30-year fixed rate
• No minimum loan amount
• Financing up to 100% available
• Up to $4,000 credit toward closing cost
• No Private Mortgage Insurance required
• Fully underwritten pre-approval, good for 90 days

For borrowers who earn less than 80% of the area median income

• Income: must be less than 80 % of AMI to qualify.

• Mortgage Assistance

The SaveNow Casa Verde Weatherization Program helps income-qualifying homeowners and renters reduce energy loss (and costs) with free energy efficiency improvements.

FREE ENERGY EFFICIENCY UPGRADES MAY INCLUDE:

• Attic insulation
• Wall insulation
• Air-sealing measures
• Replacement of incandescent light bulbs with LEDs
• Duct sealing 
  
  Click here to apply

• This is a free program for income-qualified homeowners and renters
• Customer must meet the income guidelines, and the home must meet program guidelines
• Customer or a representative 18 years of age or older must be on the premises at all times while contractors and/or CPS Energy staff are working

Free

• Weatherization

• Insufficient Earnings

• English
• Spanish

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Vista Verde Apartments .

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Terraces at Haven for Hope.

The goal of the Fair Housing/ Housing Counseling Program is to help residents maintain housing stability, which is key to family well-being. The program is a Department of Housing and Urban Development (HUD)-approved housing counseling agency.

The Fair Housing Program provides the following services to rental tenants, homeowners and landlords:

• Tenant and landlord mediation
• Default counseling to homeowners
• Housing Discrimination Complaints
• Referrals and community outreach
• Rent Assistance
• Mortgage Assistance
• Utility Assistance

Limited resources available. Call for information. Re-apply frequently.

• Referrals to Case Management

• Rental Assistance
• Mortgage Assistance
• Utility Assistance - Electric

• Housing Counseling - General
• Housing Counseling and Mediation - Mortgage Default
• Housing Counseling and Mediation - Discrimination
• Tenants Rights

Do you need help protesting your property taxes?

We can connect you with a real estate agent that will help at no cost!

To get started, complete the contact form on our website here.

Cross Timber Homes builds high quality single-family homes for San Antonio’s hard working first time home buyers. We are a mission-driven organization dedicated to making homeownership possible for everyone. Our homebuyer requirements enable us to offer our high quality homes at an exceptional price.

1. Clients must be first-time homebuyers.
2. Clients' income must be under 120% the Area Median Income (AMI) as defined by HUD.

Habitat for Humanity of San Antonio is an ecumenical Christian non-profit housing organization working in partnership with God’s people in need to build modest, decent, and affordable houses without interest or profit, thereby witnessing God’s love in action.

Seeking to put God’s love into action, Habitat for Humanity of San Antonio brings people together to build homes, communities, and hope.

Monthly payments average $600 (including taxes and insurance).

In our 40-year history, we have less than a 1.5% foreclosure rate.

We work with families whose total income is between 20% – 70% of the area's median income (AMI).

Families are accepted to the Habitat program based on their need, ability to pay a zero percent interest mortgage, and their willingness to partner.

Applicants must be residents of Bexar County.

Once accepted, homeowners are eligible to buy a home from Habitat with a 20 – 25 year zero percent interest mortgage.

Families spend a minimum of 300 hours investing in “sweat equity,” where they support and help build their own homes and the homes of their neighbors.

Families partner with us and contribute a minimum of 300 hours of sweat equity, 15-20 hours of Home Owner Readiness classes and pay a minimal down payment on their mortgage. Mortgage payments are around $600 a month and include taxes and insurance.

• Homebuyer Education and Support

The Family Self-Sufficiency (FSS) program is a voluntary five-year incentive program that allows Housing Choice Voucher and Public Housing residents to accrue money in an escrow account as their earned income increases, allowing participants to become self-sufficient. Any increases in the family’s rent as a result of increased earned income during the family’s participation in the program results in a credit to the family’s escrow account. Once a family successfully graduates from the program, they may access the escrow and use it for any purpose. The FSS program does not affect eligibility for continued housing.

Upon successful completion of the FSS program, the escrow money saved can be used for any financial or educational goal the participant chooses. While completing homeownership and credit counseling classes may be required goals, the main purpose of the FSS program is to educate and transition FSS participants towards economic independence and financial empowerment.

The FSS Coordinator works with FSS participants in creating a plan to meet both individual and program goals. In conjunction with community partners, participants will be assisted with the tools needed to become self-sufficient, including but not limited to:

• Job Skills Training
• Employment counseling
• Educational and scholarship opportunities
• Homeownership classes and counseling
• Financial literacy classes and counseling

All Bexar County residents receiving assistance through the Housing Authority of Bexar County’s (HABC) Housing Choice Voucher or Public Housing programs are eligible to participate in the FSS program, including all adult family members. As the requirement of the program dictates, only earned wages are calculated for the escrow incentive.

We provide free assistance with financial counseling, transfer on death deeds, affidavits of heirship, and gift deeds.

Affidavit of Heirship

• Two witnesses
• Date of Death
• Date of Marriage
• Children and Heirs' information (name, DOB, current address)
• If available, bring Death Certificate, Mariage License, and documents indicating "decedent passed without a will" or "will is not probated"

Transfer on Death Deed (ToDD)

A Transfer on death Deed is less complicated and expensive than a Will.  It is a legal document saying who you want to receive your home upon your death.

To complete a ToDD bring:

• Proof of Ownership
• Names and addresses of Primary and Alternative Beneficiaries

Gift Deed

Transfer of ownership of property without receiving any exchange for the transfer.  It is a gift from the property owner to whomever you choose.

To complete a Gift Deed bring:

• Proof of ownership, legal deed
• Name and address of the person(s) receiving the gift
• Your ID
• Legal Description of Property
• Property Tax Assessment or tax bill and related documents

Financial assistance for fees may be available

The YWCA Olga Madrid Center is a multi-purpose center that is the literal hub of the community, reaching multiple generations in the same families. The Center reflects the community's culture and offers essential services with dignity and respect.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Champion Homes at Mission del Rio.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Las Palmas Garden Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of West Durango Plaza Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Guild Park Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Sutton Square Duplexes.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of La Risa Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Arbors at West Avenue Apartments

NACA provides comprehensive housing counseling and access to an incredible mortgage. The NACA Mortgage offers everyone the same below-market fixed interest rate with no down-payment, no closing costs, fees, points, or PMI.

Member or anyone in the household cannot own another property when they close on the NACA mortgage.
Member must occupy the home as long as they have a mortgage obtained through NACA.

NACA provides assistance to homeowners with an unaffordable mortgage through legally binding agreements with all the major lenders/servicers and investors. NACA is the most effective organization in modifying mortgages to achieve affordable solutions for the homeowners. Often homeowners have their interest rate reduced to 2% and eliminate a portion of the outstanding principal where necessary to achieve an affordable mortgage payment. .

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community. Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Country Club Village Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Oak Manor Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community. Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Renaissance Village Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Port Royal.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Montabella Pointe Apartments.

Planning for the future is hard when you’re still paying for the past! With Financial Peace University, you will learn how to create (and stick to) a budget, save for emergencies, and make a plan for the future. Learn God’s way of handling money with Dave Ramsey’s 9-week course.

Men & Women.

$99.00 (for 9 weekly sessions)

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of The Starling.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community.

Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Bavarian Manor Apartments.

Prospera believes that a strong investment in adult education and development provides comprehensive opportunities to build an enhanced community, increase cultural diversity, and strengthen the economy. We strive to encourage self-endurance to motivate our adult residents to explore educational opportunities by promoting the value of long-term benefits including better jobs, increased wages, and overall prosperous quality of life. Our Services Managers play a vital role in helping residents locate and enroll in appropriate adult programs and services available in our Community Learning Centers as per the needs and interests of the residents at each property as well as the resources available in the surrounding community. Adult programs and services include, but are not limited to:

• GED Preparation
• ESL Classes
• Citizenship Classes
• Life Skills Classes
• Parenting Programs
• Financial Literacy and Budgeting
• Computer Literacy
• Home Ownership and Credit Counseling
• Job Fairs and Job Skills Training
• Online Employment Searches and Application Assistance
• Skills and Recreational Hobby Groups

This program is for residents of Seguin Manor Apartments.