Are you ready to buy your first home? Dream Home Mortgage is offering a special First Time Home Buyers Program that can give you up to $25,000 to help you buy a house. This money is completely free. The best part is that you never have to pay it back. However, you have to act fast because the funds are limited and will run out quickly. Starting January 2, 2026, Dream Home Mortgage will help people in five states apply for this amazing program. If you live in Arkansas, Louisiana, Mississippi, New Mexico, or Texas, you could get thousands of dollars to help buy your first home. This is real money that can make owning a home much easier and more affordable.

What Is This Program?

The program is called the Homebuyer Equity Leverage Partnership, or HELP Program. Dream Home Mortgage works with FHLB Dallas to bring this program to first-time buyers like you. It provides free money to help with your down payment and closing costs. That means you don’t need to save as much before buying your home.

Here’s how much you can get:

  • $20,000 if you buy a home in Arkansas, Louisiana, or Mississippi
  • $25,000 if you buy a home in New Mexico or Texas

This money goes directly to your home purchase at closing. You do not get cash in hand. Instead, it covers costs you would normally pay yourself. This leaves more money in your bank account and makes buying your first home much more possible.

Why You Must Act Quickly

Time is not on your side. Only $3.4 million is available for the January 2 offering. This amount covers all five states together. When it is gone, it is gone. The program works on a first-come, first-served basis. The people who apply early get the money. If you wait too long, you might get nothing. If you miss the January 2 deadline, the next opportunity is April 6, 2026. Why wait when you could be in your new home sooner?

For all of 2026, there is $17 million set aside for this program. It will be split into five different offerings throughout the year. But remember, each offering has limited funds. You want to be first in line, not last.

Eligibility Criteria:

Not everyone can get this help. To qualify, you must meet certain rules:

  • First-Time Buyer: This must be your first home. It has to be the place where you live, not a rental property. If you haven’t owned a home in more than three years, you still count as a first-time buyer.
  • Income Limits: Your household income must be at or below 80% of the median income for your area. HUD sets this number and it changes depending on where you live.
  • Take a Class: You must complete a homebuyer counseling program before closing on your home. This class teaches you about buying and owning a home.
  • Put In Your Own Money: You must contribute at least $500 of your own money to the purchase.
  • Stay in Your Home: You must live in the home as your main residence for five years. You cannot rent it out or use it as a second home.
  • No Cash Back: The money can only be used for down payment and closing costs. You cannot get cash back at closing.

How Dream Home Mortgage Can Help?

Buying your first home can feel overwhelming. There are many steps and a lot of paperwork. You might not know where to start. That’s where Dream Home Mortgage comes in. With over 27 years of experience helping people buy homes, they guide you every step of the way. They are approved to work in all 50 states and know how to simplify the process for first-time buyers.

Here is what they do for you:

  • Walk you through the HELP Program application step by step
  • Answer all your questions about whether you qualify
  • Connect you with approved counseling programs
  • Make sure your paperwork is correct and submitted on time
  • Work hard to secure your funding before it disappears

Dream Home Mortgage also offers many other benefits. They match or beat other companies’ interest rates. They work with people who have H1-B visas or EAD cards. They help those with no credit score or low credit scores, even as low as 580. They approve loans for people with high debt, up to 57% for FHA loans. They offer 14-day approvals for many loan types. They keep closing costs low with no surprise fees at the last minute.

Don’t Wait Another Day!

Every day you wait is another day someone else could take your spot. Thousands of other first-time buyers in five states are competing for the same money. Dream Home Mortgage is located in Plano, Texas, but they help clients across the United States. You can book a free one-on-one meeting online through their Calendly page or call them directly at (972) 245-5626. They are ready to help you take the first step toward owning your home. This first-time home buyers program turns your dreams into reality but only if you act now. Contact Dream Home Mortgage today and start your journey to homeownership. Your new home is waiting!