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#homebuyingtips #affordablehousing #downpaymentassistance Owning a home in 2025 still feels out of reach for many. But the truth is, you have options. In this episode of the Houses & Hoodies Podcast, we break down the real affordability hacks that everyday buyers are using to get on the property ladder right now. From Texas down payment assistance programs like TDHCA’s My First Texas Home to the power of a Mortgage Credit Certificate (MCC), we show you how to cut costs, lower your effective interest rate, and finally start building generational wealth. We’ll cover: How seller concessions and credits can cover closing costs Income limits and credit score requirements for Texas programs Why waiting for prices to fall may keep you renting forever Creative strategies for families to buy sooner, even with student loans or less savings If you’ve ever asked, “Can I afford a home with today’s rates?” or “Do I qualify for down payment help?”, this conversation gives you the answers. 👉 Schedule a free 📅 Consultation - https://calendly.com/makaylalewis-re/... Don’t let debt or doubt delay your dream. Watch until the end, take notes, and share this with someone who needs hope. Your stability starts with ownership, even in uncertain times. ✅ Homebuyer Tips & Keys - • Homebuyer Tips & Keys 🔐 Timestamp: Hashtags: #sanantonio #schertztx #cibolotx #randolphairforcebase #firsttimehomebuyer #homebuyertips #howtobuyahouse #keysbykayy Cool keywords: affordable homes 2025, texas down payment programs, my first texas home program, mortgage credit certificate MCC, texas homebuyer assistance, home affordability hacks, first time home buyer texas, affordable housing programs, buy a home with no money down, FHA USDA VA loans 2025, seller concessions explained, how to buy a house with student loans, texas housing market update, down payment help for moms, first time home buyer credit score 620, mortgage interest rates 2025, homeownership strategies, generational wealth through real estate, how to afford a home in texas with high interest rates, can i buy a house in 2025 with 7% mortgage rates, texas down payment assistance income limits, how to use seller concessions to lower closing costs, mortgage credit certificate explained texas, is it better to wait or buy a house now, how to buy a home with no down payment in texas, should i buy a house in texas now or wait, how to qualify for my first texas home program, how to save money for closing costs on a house