Texas Has 60+ Homebuyer Programs.
The "You Make Too Much" Rule Doesn't Match
What's Actually on the Books in Texas
Most High Earners Have Heard of Two.
Multiple state programs have zero income restrictions. Others go well above $130K. The assumption that a $120K+ salary disqualifies a Texas buyer is, in most cases, wrong - and Bradley Pounds is breaking down why on Tuesday.
Tuesday, April 28th @ 7:00 PM Central
LIVE & FREE
High earners across Texas run the same search every month: first-time homebuyer help Texas. The first few results show income caps around $90K or $105K. They close the tab.
That's where the story usually ends.It shouldn't. The caps on those first-page results aren't the caps on the programs that actually fit a $120K+ household - and the programs that do fit rarely show up in a ten-minute Google session.
This briefing is the rest of the story.
Here is the deal.
The Texas programs with the highest income caps - and the ones with no cap - aren't hidden because they're secret. They're hidden because they're boring to Google, buried on state and county websites, and nobody's lender wants to spend 20 minutes walking through them when a vanilla conventional loan closes faster.
So most high earners never hear about them. The programs just sit there. Quietly. Helping the small slice of people who happen to stumble in.
Tuesday night, Bradley's pulling them out into the light and putting them in front of you in plain English. Live, because questions come up and you deserve real answers in real time. Once through - that's it. Show up or don't.
The "You Make Too Much" Rule Doesn't Match
Texas Has 60+ Homebuyer Programs.
Most High Earners Have Heard of Two.
What's Actually on the Books in Texas
Multiple state programs have zero income restrictions. Others go well above $130K. The assumption that a $120K+ salary disqualifies a Texas buyer is, in most cases, wrong - and Bradley Pounds is breaking down why on Tuesday.
Tuesday, April 28th @ 7:00 PM Central
LIVE & FREE
High earners across Texas run the same search every month: first-time homebuyer help Texas. The first few results show income caps around $90K or $105K. They close the tab.
That's where the story usually ends. It shouldn't. The caps on those first-page results aren't the caps on the programs that actually fit a $120K+ household - and the programs that do fit rarely show up in a ten-minute Google session.
This briefing is the rest of the story.
Here is the deal.
The Texas programs with the highest income caps - and the ones with no cap - aren't hidden because they're secret. They're hidden because they're boring to Google, buried on state and county websites, and nobody's lender wants to spend 20 minutes walking through them when a vanilla conventional loan closes faster.
So most high earners never hear about them. The programs just sit there. Quietly. Helping the small slice of people who happen to stumble in.
Tuesday night, Bradley's pulling them out into the light and putting them in front of you in plain English. Live, because questions come up and you deserve real answers in real time. Once through - that's it. Show up or don't.
What this briefing covers:
What this briefing covers:
The Texas programs with no income cap. SmartBuy, Supreme D.R.E.A.M., CRA loans, Professional loans - how each one works, where it applies, and who's already using them.
The Texas programs with no income cap. SmartBuy, Supreme D.R.E.A.M., CRA loans, Professional loans - how each one works, where it applies, and who's already using them.
The state programs above $130K. SETH 5 Star in DFW (past $143K), TSAHC and TDHCA tiers above $133K, and the county-level overlays that change the math further.
The state programs above $130K. SETH 5 Star in DFW (past $143K), TSAHC and TDHCA tiers above $133K, and the county-level overlays that change the math further.
How to check personal eligibility inunder three minutes - for free. No application, no credit pull, no commitment. Bradley walks through the exact check live.
How to check personal eligibility inunder three minutes - for free. No application, no credit pull, no commitment. Bradley walks through the exact check live.
The line item most lenders won't raise ontheir own. A detail that routinely costs $120K+ buyers thousands at the closing table, for reasons that have more to do with lender workflow than borrower qualification.
The line item most lenders won't raise ontheir own. A detail that routinely costs $120K+ buyers thousands at the closing table, for reasons that have more to do with lender workflow than borrower qualification.
What "downpayment assistance" actually means in2026. The category has changed. The old rule of thumb - "it's for first-time, low-income buyers only" - is no longer how the programs read on paper.
What "downpayment assistance" actually means in2026. The category has changed. The old rule of thumb - "it's for first-time, low-income buyers only" - is no longer how the programs read on paper.
This briefing is for you if:
This briefing is for you if:
You're a single-income Texas earner above $120K, currently renting, and tired of being told the programs aren't built for you.
You're part of a dual-income household above $200K combined and assumed - reasonably - that assistance programs stopped applying to you years ago.
You're a single-income Texas earner above $120K, currently renting, and tired of being told the programs aren't built for you.
You're part of a dual-income household above $200K combined and assumed - reasonably - that assistance programs stopped applying to you years ago.
You're a single-income Texas earner above $120K, currently renting, and tired of being told the programs aren't built for you.
You've been told, by a lender or otherwise, that "you make too much to qualify" - and you took it at face value.
You're a single-income Texas earner above $120K, currently renting, and tired of being told the programs aren't built for you.
You've been told, by a lender or otherwise, that "you make too much to qualify" - and you took it at face value.
Skip this briefing if:
Skip this briefing if:
You're a current low-income buyer. There's real help for you, but it runs through a different set of programs. This session won't cover them, and we'd be wasting your time.
You're a current low-income buyer. There's real help for you, but it runs through a different set of programs. This session won't cover them, and we'd be wasting your time.
You're buying an investment property or second home. The programs covered here are first-time, primary-residence only.
You're buying an investment property or second home. The programs covered here are first-time, primary-residence only.
You're already under contract or closing this week. At that point, you need a closing attorney, not a briefing.
You're already under contract or closing this week. At that point, you need a closing attorney, not a briefing.
Learn From Someone Who Does This Every Day
Learn From Someone Who Does This Every Day
Bradley Pounds
Bradley Pounds
With over 23 years in the real estate industry, Bradley Pounds has helped thousands of home buyers navigate the path to homeownership — with a special focus on helping renters become first-time homeowners.
As both a licensed Texas real estate broker and mortgage loan originator, he brings a rare combination of market expertise and lending knowledge that most agents simply don't have. Through HomeBuyerSchool.com, he's educated thousands of students on the 60+ programs, grants, and strategies available to Texas home buyers that most people never hear about.
His specialty? Helping DFW earners who make good money but have bumpy credit find their fastest realistic path to owning a home.
With over 23 years in the real estate industry, Bradley Pounds has helped thousands of home buyers navigate the path to homeownership — with a special focus on helping renters become first-time homeowners.
As both a licensed Texas real estate broker and mortgage loan originator, he brings a rare combination of market expertise and lending knowledge that most agents simply don't have. Through HomeBuyerSchool.com, he's educated thousands of students on the 60+ programs, grants, and strategies available to Texas home buyers that most people never hear about.
His specialty? Helping DFW earners who make good money but have bumpy credit find their fastest realistic path to owning a home.
Here's the short version.
Here's the short version.
Programs like SmartBuy, Supreme D.R.E.A.M., CRA, and Professional loans don't have income caps. State programs like SETH 5 Star and TSAHC go well above $130K in major metros. None of that is a secret. It sits on state and county websites, in program guides, and in lender toolkits - available to anyone who looks.
The problem isn't access. It's that the $120K+ buyer doesn't look. They Googled once, saw a low cap, and filed the whole category under "not for me." The programs stay open. The buyer stays renting. Worth noting: the gap between those two facts, measured in dollars, is rarely small.
The full list - which programs, which limits, which cities, and the free three-minute check that tells a buyer which ones apply to them personally - is what Tuesday night covers. Once through, live, with questions answered in real time.
Programs like SmartBuy, Supreme D.R.E.A.M., CRA, and Professional loans don't have income caps. State programs like SETH 5 Star and TSAHC go well above $130K in major metros. None of that is a secret.It sits on state and county websites, in program guides, and in lender toolkits - available to anyone who looks.
The problem isn't access.It's that the $120K+ buyer doesn't look. They Googled once, saw a low cap, and filed the whole category under "not for me." The programs stay open. The buyer stays renting. Worth noting: the gap between those two facts, measured in dollars, is rarely small.
The full list - which programs, which limits, which cities, and the free three-minute check that tells a buyer which ones apply to them personally - is what Tuesday night covers. Once through, live, with questions answered in real time.
FAQ
FAQ
Is this really free?
Yes. No fee, no card, no upsell at the door. Register, show up, take notes.
Will I be pitched a loan on the call?
No. The briefing is educational. Programs get covered, questions get answered, and that's the session. If anyone wants a one-on-one conversation afterward, that's opt-in and separate. Nothing gets sold live.
What if I can't make it live?
Show up live if the calendar allows it - that's where the Q&A happens, and the Q&A is where most of the value lands. A replay may go out to registrants, but it's not guaranteed, and it won't carry the live questions with it. Best move: block the time.
Do I need to currently live in Texas?
You need to be buying in Texas. Out-of-state professionals relocating to Texas in the next 6–12 months are squarely in the target audience.
Buying outside Texas?
This isn't the session for you.
I already have a lender - should I still come?
If that lender has never mentioned SmartBuy, Supreme D.R.E.A.M., CRA, SETH 5 Star, TSAHC, or Professional loans, yes - come. No "fire your lender" pitch, no drama.Worst case, the lender already covered it and 45 minutes are gone. Best case, a buyer walks away with options that weren't on the table before.
This is a single live session, Tuesday, April 28th @ 7:00 PM Central. Capacity is capped so Bradley can actually work through questions rather than read a list. The briefing isn't scheduled to run again in the same format - future sessions will likely cover different programs or a different angle.If the topic fits, registering now is the cleanest way to make sure the seat is there.
Is this really free?
Yes. No fee, no card, no upsell at the door. Register, show up, take notes.
Will I be pitched a loan on the call?
No. The briefing is educational. Programs get covered, questions get answered, and that's the session. If anyone wants a one-on-one conversation afterward, that's opt-in and separate. Nothing gets sold live.
What if I can't make it live?
Show up live if the calendar allows it - that's where the Q&A happens, and the Q&A is where most of the value lands. A replay may go out to registrants, but it's not guaranteed, and it won't carry the live questions with it. Best move: block the time.
Do I need to currently live in Texas?
You need to be buying in Texas. Out-of-state professionals relocating to Texas in the next 6-12 months are squarely in the target audience.
Buying outside Texas?
This isn't the session for you.
I already have a lender - should I still come?
If that lender has never mentioned SmartBuy, Supreme D.R.E.A.M., CRA, SETH 5 Star, TSAHC, or Professional loans, yes - come. No "fire your lender" pitch, no drama. Worst case, the lender already covered it and 45 minutes are gone. Best case, a buyer walks away with options that weren't on the table before.
This is a single live session, Tuesday, April 28th @ 7:00 PM Central. Capacity is capped so Bradley can actually work through questions rather than read a list. The briefing isn't scheduled to run again in the same format - future sessions will likely cover different programs or a different angle. If the topic fits, registering now is the cleanest way to make sure the seat is there.
60+ Texas Programs. One Live Briefing. Tuesday Night.
Tuesday, April 28th @ 7:00 PM Central
LIVE ONLINE
60+ Texas Programs. One Live Briefing. Tuesday Night.
Tuesday, April 28th @ 7:00 PM Central
LIVE ONLINE
Disclaimer: Information provided by HomeBuyerSchool.com and LRSP Holdings LLC is for general educational purposes only and may include examples or estimates. It is not a commitment to lend or an offer to extend credit. Program availability, eligibility, terms, and rates can change at any time and vary by lender and individual qualification. Always verify details with a licensed mortgage professional.
Credit Repair Education: HomeBuyerSchool.com is not a credit repair organization and does not provide credit repair services. All credit-related information shared is educational in nature. Results vary by individual circumstances, and there is no guarantee of improved credit scores or mortgage approval. We do not promise specific credit score increases or timelines.
Real estate brokerage services are provided by HomeBuyerSchool.com, a Licensed Texas Real Estate Broker (TX License #9015852). Mortgage services are offered separately by Bradley Pounds, Texas Mortgage Loan Originator (NMLS #2731896), sponsored by Rapid Mortgage LLC (NMLS #2425173). You are under no obligation to use Rapid Mortgage, and you may choose any lender or real estate professional you prefer.
This communication is not legal, financial, or tax advice. Always consult the appropriate licensed professional for guidance.
© 2026 LRSP Holdings LLC d/b/a HomeBuyerSchool.com and ApptDaddy. All rights reserved. Full disclosures: https://webinar.homebuyerschool.com/disclosures-licensing-information
