Homebuyer Education near

San Antonio Community Resource Directory
Online and Virtual Assistance

Are you ready to buy a home?

We can help! TSAHC provides fixed-rate mortgage financing, down payment assistance grants and second liens, as well as mortgage credit certificates for teachers, police officers, corrections officers, fire fighters, EMS personnel, veterans and low and moderate-income households.

Our home buyer programs are open to first-time home buyers, as well as repeat home buyers and existing homeowners. 

How to get started:

Step 1: Take the eligibility quiz

Step 2: Apply with an approved lender

Step 3: Complete a home buyer education class

Step 4: Find a realtor

For more information, click here.

To view programs available in San Antonio, click here.

Incentives
  • For Prospective Homeowners
  • For Homeowners
Hours
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Homeownership Hotline Send email
(877) 508-4611
Updated within the last 4 months.

Whether you're thinking of buying a home or just looking to gain financial security, the following resources are available to help you reach your goals.

To view more detailed information, click here.

Incentives
  • For Prospective Homeowners
Hours
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Homeownership Hotline
(877) 508-4611
Updated within the last 4 months.

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

Incentives
  • For Prospective Homeowners
Call for information and appointments.
Updated within the last 5 months.

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

Hours
Monday: 7:45 AM - 5:00 PM
Tuesday: 7:45 AM - 5:00 PM
Wednesday: 7:45 AM - 5:00 PM
Thursday: 7:45 AM - 5:00 PM
Friday: 7:45 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Closed on Holidays
Updated within the last 5 months.

If you believe your property value is not accurate, you can protest your property value. 

To do so, when you receive your Notice of Appraised Value, a protest form will be included for your convenience. You can also download a Notice of Protest form by visiting the Forms tab at bcad.org. You can also submit a written statement indicating your desire to protest. Completed protest forms can be:

  1. Mailed to: PO Box 830248, San Antonio, TX 78283
  2. Emailed to: [email protected]
  3. Dropped off in the drop box located in front of our building at 411 N. Frio St., San Antonio, TX 78207
  4. You also have the option of e-filing a protest by using the online portal, however, you will need to set up an account to do so.

For more information regarding property value protests, visit Bexar Appraisal Disctrict FAQ page.

Hours
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last week

If you are experiencing homelessness, the PATH outreach team can connect you to:

  • health care
  • income support
  • legal services
  • mental health treatment
  • rehabilitation training in social skills
  • social services
  • substance use treatment
  • ID recovery
  • referrals for affordable housing and employment

The PATH Program serves people experiencing homelessness or at risk of homelessness and serious mental illness.

Hours
Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 8:30 AM - 5:30 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last 1 month.

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.

Hours
Monday: 7:45 AM - 4:30 PM
Tuesday: 7:45 AM - 4:30 PM
Wednesday: 7:45 AM - 4:30 PM
Thursday: 7:45 AM - 4:30 PM
Friday: 7:45 AM - 4:30 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last 5 months.

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.

Updated within the last 4 months.

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.

Incentives
  • For Prospective Homeowners
Monday - Friday: 8:30 AM - 4:30 PM All other hours available by appointment only.
Marisa Ramirez Send email
(210) 568-1764
Updated within the last 4 months.

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.

Incentives
  • For Prospective Homeowners
Hours
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Bethany Thomas Send email
(210) 223-5203 x: 148
Updated within the last 5 months.

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.

Hours
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: CLOSED
Saturday: CLOSED
Sunday: CLOSED

Hermie Mermea
(210) 231-2012
Updated within the last 4 months.

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

Hours
Monday: 8:00 AM - 5:00 PM
Tuesday: 8:00 AM - 5:00 PM
Wednesday: 8:00 AM - 5:00 PM
Thursday: 8:00 AM - 5:00 PM
Friday: 8:00 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Call to schedule an appointment
Updated within the last 3 months.

Our Casas Resident Council allows first-time home buyers to purchase an affordable, single-family home in San Antonio. 

First-time homebuyer

U.S citizen or permanent resident

Must be at 80% AMI or less

Application can be located here.

Incentives
  • For Prospective Homeowners
Hours
Monday: 9:00 AM - 5:00 PM
Tuesday: 9:00 AM - 5:00 PM
Wednesday: 9:00 AM - 5:00 PM
Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 5:00 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last 4 months.

Our homebuyer education workshops and one-on-one counseling services prepare individuals and families for homeownership.

Call or visit for more information or to sign up for services, call  or visit OCRC at 2300 W . Commerce St . Ste . #302

Updated within the last 4 months.

Our housing counselors provide you with custom - tailored guidance as you prepare for homeownership.

In our session we will:

  • Determine how much home you can afford
  • Build your credit and reduce debt
  • Create a budget and build savings
  • Become mortgage ready
  • Plan your next steps to start your homeownership journey

Housing counseling appointments are scheduled at your convenience during our business hours. Counseling sessions are typically 60-90 minutes long (depending on your needs) and can be conducted over video call, by phone or in person at our Homeownership Center at 847 Steves Ave.

You will be asked to complete a counseling intake packet and provide us with documentation for your financial assessment. Although all counseling sessions are free of charge, NHSSA charges a $25 fee, per borrower, to obtain your credit report for the housing counseling session.   A credit report is comprehensive and collects data from the three major credit bureaus.  The type of credit report we pull is a "soft inquiry", meaning it will not impact your credit score.  Once you call our offices and decide to set an appointment, an NHSSA counselor will provide you with the counseling intake packet and options to pay for your credit report.

$25 to obtain your credit report 

Hours
Monday: 9:00 AM - 5:00 PM
Tuesday: 9:00 AM - 5:00 PM
Wednesday: 9:00 AM - 5:00 PM
Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 1:00 PM
Saturday: CLOSED
Sunday: CLOSED

Valorie Garcia Send email
(210) 798-2394
Connie Mendez Send email
(210) 798-2392
Updated within the last 3 months.

NHSSA can help you with making smarter overall financial decisions, such as choosing credit products that can help you build or rebuild credit. It can also help you to keep your credit score in a higher range as you monitor your credit report for inaccuracies.

?Click here to view resources and tips on information regarding credit and credit history. 

Hours
Monday: 9:00 AM - 5:00 PM
Tuesday: 9:00 AM - 5:00 PM
Wednesday: 9:00 AM - 5:00 PM
Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 1:00 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last 3 months.

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.

Hours
Monday: 7:00 AM - 6:00 PM
Tuesday: 7:00 AM - 6:00 PM
Wednesday: 7:00 AM - 6:00 PM
Thursday: 7:00 AM - 6:00 PM
Friday: 7:00 AM - 6:00 PM
Saturday: CLOSED
Sunday: CLOSED

Michelle Serna Send email
(210) 881-9693
Updated within the last 4 months.

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.

Eligibility:

  • 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.
Incentives
  • For Prospective Homeowners
Monday: 8:30 AM - 6:00 PM Tuesday: 8:30 AM - 6:00 PM Wednesday: 8:30 AM - 6:00 PM Thursday: 8:30 AM - 6:00 PM Friday: 8:30 AM - 6:00 PM Saturday: CLOSED Sunday: CLOSED
Updated within the last month

NACA assists homeowners who have unaffordable mortgages.

Unlike a refinance, mortgage modification can change the interest rate or term of your current mortgage. Our advocates will help you negotiate with your lender based on your financial hardship.

Signing up below is the first step in the Home Save program for at-risk homeowners needing an affordable mortgage payment or homeowners needing funds to make important repairs. Click here to sign up.

No homeowner is turned away.

Our advocates can help you for free, whether or not you got your mortgage through us.

Hours
Monday: 8:30 AM - 6:00 PM
Tuesday: 8:30 AM - 6:00 PM
Wednesday: 8:30 AM - 6:00 PM
Thursday: 8:30 AM - 6:00 PM
Friday: 8:30 AM - 6:00 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last month