How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

How much do I need for a down payment on a home in Cypress?

FHA requires 3.5% down and conventional can be as low as 3%. On a $350,000 home in Cypress, that is $12,250 (FHA) or $10,500 (conventional). Down payment assistance grants can cover part or all of that amount — some first-time buyers get into a Cypress home with very little out of pocket.

Are there first-time buyer grants for Cypress, TX?

Yes. Cypress is in Harris County, so you can access statewide programs like Texas Hero and SETH 5 Star, plus City of Houston assistance if you meet income limits. Grants typically range from 2% to 5% of the loan amount and do not need to be repaid as long as you live in the home for the required period.

Is Cypress a good area for first-time home buyers?

Cypress is one of the most popular first-time buyer suburbs in Greater Houston. You get more square footage for your money than inside the city, top-rated Cy-Fair ISD schools, and a range of new-construction and resale homes. Builder incentives on new construction can also help with closing costs.

What credit score do I need to buy my first home in Cypress?

FHA accepts scores from 580, and some programs go lower. Conventional typically needs 620+. If your credit needs work, Liuver can help you build a plan to qualify within a few months.

Can I buy a new construction home in Cypress as a first-time buyer?

Absolutely. Many first-time buyers choose new construction in communities like Bridgeland or Towne Lake. Builders often offer incentives — closing cost credits, rate buydowns, or upgrades — that can save you thousands. Liuver will review builder offers with you so you know what is a good deal and what is not.

Cypress, TX — Greater Houston

First-Time Home Buyer in Cypress, Texas

Your guide to buying your first home in Cypress — down payment assistance, grants, and programs built for first-time buyers in one of Houston's fastest-growing suburbs.

Meet your loan originator

Originator

Liuver Duran

Mortgage Loan Originator

NMLS #2579601

Company

Sociable Mortgage LLC

NMLS #2498240

Mortgage broker

Languages

English & Spanish

Full process in Spanish

Buying your first home in Cypress

Cypress is one of the most popular suburbs for first-time home buyers in Greater Houston. With top-rated Cypress-Fairbanks ISD schools, master-planned communities like Bridgeland and Towne Lake, and new construction at competitive prices, Cypress offers more square footage per dollar than neighborhoods closer to the city core.

As a first-time buyer in Cypress, you may qualify for the same down payment assistance programs available across Harris County — including Texas Hero, SETH 5 Star, and City of Houston grants for eligible buyers. These programs can cover your down payment and sometimes part of your closing costs.

Liuver works with first-time buyers across Cypress — from new-build communities to established neighborhoods near 290 and 99. He will explain every program you qualify for, help you understand the true monthly cost, and guide you from pre-approval to closing day.

FHA loans from 3.5% down — ideal for first-time buyers
Conventional from 3% down with no upfront mortgage insurance
Down payment assistance grants up to 5% of the loan amount
New construction financing — builder incentives available
No state income tax in Texas — more buying power
Bilingual process — everything in English or Spanish

Available Programs

FHA Loan

3.5% down, 580+ credit — the first-time buyer standard

Conventional 3% Down

Lowest down, no upfront MI, 620+ credit

Down Payment Assistance

Grants up to 5% — may cover your full down payment

USDA Loan

0% down in eligible areas around Cypress

VA Loan

0% down for veterans and active military

ITIN Loan

Buy with an ITIN — no SSN required

Frequently asked questions

What our clients say

"We bought our first home in Bridgeland with 3.5% down and a grant that covered most of it. Liuver made the new-build process easy to understand."

Daniela M.

Cypress, TX

"I did not think I could afford Cypress on my salary. Liuver showed me the numbers and got me into a townhome with almost nothing out of pocket."

Chris B.

Cypress, TX

Liuver Duran — NMLS #2579601. Mortgage Loan Originator at Sociable Mortgage LLC — NMLS #2498240. Sociable Mortgage LLC is a licensed mortgage broker, not a lender. Not a commitment to lend. Equal Housing Opportunity.

Your next step

Let’s move forward, one step at a time.

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