Frequently asked questions

Yes, 100% free. BluebonnetBuyer is an independent educational service - we don't originate loans, don't sell your information, and don't tell you which loan or lender to choose. Texas-licensed agents pay a flat monthly advertising-access subscription for placement in our capped market rotation, so the platform stays free to home buyers with no upfront fees, hidden charges, or obligations. No compensation we receive is tied to referrals or closed transactions.

Federal programs (FHA, VA, USDA, Fannie Mae, Freddie Mac) are available nationwide and typically focus on insured loans with low down payments. Texas state programs (TDHCA, TSAHC, VLB) layer on additional grants, forgivable loans, and tax credits exclusively for Texas residents. Most buyers can stack one federal loan with one or more Texas programs.

No. While many programs target first-time buyers (defined as not having owned a home in the last 3 years), there are numerous programs available to repeat buyers, veterans, teachers, healthcare workers, and other categories.

Absolutely not. Our eligibility assessment is an educational match and does not require a credit check or hard pull.

You'll receive your personalized program-match report within 48 hours. From there, application timelines vary by program but typically take 2–6 weeks.

Yes - and most buyers should. Many federal, state, and local programs are designed to be stacked. For example, an FHA loan can be paired with TDHCA down payment assistance and a Mortgage Credit Certificate.

We cover the entire state - all 254 counties. Our database includes federal programs, statewide programs, and city/county-specific programs across all major metros and rural areas.

Limits vary by program and county. Many Texas programs serve households earning up to 115%–140% of the area median income (AMI). For most Texas metros, this can include households earning $90,000–$140,000+ depending on family size.