We are one of the few banks in TX offering the 5-Star Texas Advantage Program. The program, which is available for purchases and rate/term refinances. Call us at 512 686 2750 to discuss! The loan program allows access to a 3% grant on FHA, VA, and USDA loans, reducing a borrower's down payment to .5% of their own funds. Loans are restricted to a maximum purchase price of $250,000, a minimum FICO of 600, maximum DTI of 45, and income limits per county guidelines, regardless of family size. If you have any questions, please feel free to contact our Austin office at 512 686 2750.