🏡 Your First Home in Austin - Complete Guide
First-time buyer specialist with 87+ successful closings. I guide you step-by-step from assistance programs to finding your perfect home. Top 2.5% REALTOR® with expertise in ITIN loans and non-traditional financing.
IMPORTANT: I am a licensed REALTOR®, not a lender. I guide you through the entire process and connect you with the best first-time buyer programs.
🎯 Texas First-Time Buyer Programs
FHA - 3% Down Payment
- Only 3% down payment
- Credit score from 580
- Gift funds allowed
VA - 0% Down Payment
- No down payment required
- No mortgage insurance
- For veterans and military
USDA - Rural Areas
- 0% down payment available
- Designated rural areas
- Income limits apply
Special Texas Programs
My First Texas Home
Up to $30,000 in down payment and closing cost assistance
Bootstrap Loan Program
No down payment loans for rural areas and small cities
My Specialized First-Time Buyer Process
I've perfected a process that makes buying your first home simple, educational, and stress-free.
Free Education (30 minutes)
Explain all available programs, calculate your budget, review your credit score
Pre-approval (1-3 days)
Connect you with first-time buyer specialized lenders, get official letter
Home Search (2-6 weeks)
Visit properties in your budget, teach you what to look for, make strategic offers
Contract & Inspection (7-10 days)
Negotiate best price, coordinate inspections, protect your interests
Closing (1 day)
Explain every document, final walkthrough, get your keys!
✨ Real Success Story
"I was scared because I had never bought a house. Sully explained everything step by step and found programs I didn't know existed. Now I have my little house in Cedar Park with only 3% down."
- Jennifer Lopez, Cedar Park
Frequently Asked Questions - First-Time Buyers
Q: How much do I need to save to buy my first home?
A: With FHA programs, you only need 3% down payment. On a $300,000 home, that's $9,000. Plus Texas assistance programs can help with closing costs.
Q: What credit score do I need?
A: FHA accepts credit scores from 580 with 3% down payment. With 500-579, you need 10% down payment. I help you improve your score if needed.
Q: Can I use gift money for down payment?
A: Yes! Family members can gift money for down payment and closing costs. We just need proper gift documentation.
Q: How long does the process take?
A: From pre-approval to keys, typically 45-60 days for first-time buyers. I guide you through every step so there are no surprises.
Related Services
I offer complete solutions for all types of buyers, including non-traditional financing.
ITIN Loans
Buy a home without SSN using your ITIN. 46+ successful closings for families banks said "impossible"
Self-Employed Loans
Bank Statement, Asset-Based, and Non-QM loans for 1099, freelancers, and business owners
🏡Your first home doesn't have to be just a dream. With my experience and the right programs, you can have keys in your hands sooner than you think.
Ready to Buy Your First Home?
Your first home is closer than you think. As a first-time buyer specialist, I make the process simple and stress-free.
🏡 First-time buyer programs have limited funding - contact today
The faster we start, the faster you have the keys to your first home
Sullysvenett Ruiz Torres, REALTOR® - License #0742907
Keller Williams Austin NW - 9606 N Mopac Expy, Ste 950, Austin, TX 78759
Licensed in Texas. Not a commitment to lend. Equal Housing Opportunity.