There are twelve down payment assistance programs in Austin and Travis County alone, and JD Cobb says almost nobody asks. He names TSAC and TDHCA, which cover three to five percent down, plus a mortgage credit certificate he can count as monthly income. He tells Jerremy Alexander Newsome and Dave Conley that a soft credit pull costs the buyer nothing and that he'll pay to rescore a client's credit himself. He calls out new-build "incentives" as money rolled straight back into the loan. In the lightning round he names the biggest myth his clients believe — that they need twenty percent down — and says the real lever on rates is energy.

Timestamps:

  • (00:12) A dozen programs – the money buyers never think to ask about
  • (00:37) TSAC and TDHCA – three to five percent, handed to you
  • (02:50) The builder "incentive" – it's just rolled into your loan
  • (04:23) Soft pull, no charge – what talking to a lender really costs
  • (06:33) One lever – JD's pick if Congress could pull it
  • (10:49) Lightning round – the myth every client walks in with
  • (13:23) It's energy – why JD says that sets your rate


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