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First Time Home Buyer TX Mortgage Resources. Texas Mortgage Credit Certificate Program. The Texas Department of Housing and Community Affairs created this tax credit program to help make home ownership more affordable for those with low to moderate income, especially first time buyers.

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No credit. three Texas lawmakers are going after predatory wraparound mortgage lenders by trying to enact laws that protect home buyers from such practices. State Sens. José Rodríguez, D-El Paso,

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