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Forging Your Path to Financial Freedom

Houston Downpayment Assistance Programs

Forging Your Path to Financial Freedom

Forge Home Consulting turns homeownership into a path to financial freedom. Our Zero Down process removes barriers, helping you build security and generational wealth.

At Forge Home Consulting, we transform the dream of homeownership into a reality that drives financial freedom. With our Zero Down process, you can bypass the traditional hurdles of buying a home and instead focus on building long-term security and generational wealth.

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Experts in Down Payment Assistance

Leverage our trusted team to access Houston down payment assistance programs and personalized support—helping you secure the keys to your new home with less out of pocket
Zero Down Housing Services in Houston

Zero Down

Forge Home Consulting's Zero Down program eliminates financial barriers, helping you purchase a home without a hefty down payment. Build generational wealth and keep your savings intact.

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Forge Home Lending

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Our tailored mortgage lending solutions simplify the home-buying process. We work with you to assess your qualifications, ensuring you get the best financing options to suit your needs.

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Realtor

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Partner with a trusted realtor through Forge Home Consulting to find your dream home. From showings to closing, our network ensures a seamless experience tailored to your goals.

Introducing: Houston Mortgage Workshops

Join us for our Houston Mortgage Workshops, where you can learn more about getting a zero down mortgage!

Educating You Towards a Brighter Future

At Forge Home Consulting, we help clients build generational wealth by transforming homeownership into a tool for financial freedom. Through innovative solutions like our Zero Down process and downpayment assistance programs, we remove traditional barriers, educate clients on leveraging real estate, and empower them to forge long-term security and success.

100+ Five-Star Reviews

Real homeowners. Real results. Hear from the people who’ve turned the key with us—first-time buyers, growing families, and seasoned movers who found more than a mortgage.

Franz was very knowledgeable not only about real estate but also about the specific type of home I was looking for. He was incredibly helpful throughout the entire home search process, but most importantly, he was always available and attentive to all my questions. Excellent service!

Franz was very knowledgeable about the different areas of Houston and the best homes. He quickly helped me find the exact type of home I was looking for. In less than seven days, I was able to work with Franz and make an offer on a home. Most importantly, he was always willing to make time to answer my questions and address any concerns. Excellent service!

Our realtor, Franz, was ambitious and eager to provide excellent service. He made our experience of buying our first home a lot less stressful. His ability to ensure a smooth transition made a world of difference. We truly appreciate his guidance and would highly recommend him and his team to any first-time homebuyers.

Franz is an easygoing and understanding professional. He helped my family purchase our first home and was there for us every step of the way. He regularly checked in to see if there was anything we needed, ensuring a smooth and supportive experience. I highly recommend Franz and look forward to working with him again in the future.

Franz was extremely knowledgeable and incredibly helpful throughout the process. As a first-time homebuyer, I wasn’t fully aware of how much I would need for a down payment. However, with Franz's expertise, I was able to connect with a great lender, find a reputable builder for a new home, and achieve my exact target for both my down payment and monthly payments.

If you think you can’t buy a home, I highly recommend reaching out to Franz to explore your options and create a game plan. He is excellent at qualifying buyers for DPA programs and finding homes where sellers can meet your needs. He is knowledgeable, communicative, and always available to assist. Thank you, Franz, for helping us get into our first home!

Franz is an absolute superstar! He takes the time to educate and provides plenty of space for me to make the best decision for my personal situation. He was always readily available to answer any questions and patiently guided me through every step of the process with professionalism and care.


      Find Your Home, Craft Your Purpose

      Discover the steps to homeownership with Forge Home Consulting. From personalized advice to closing the deal, we guide you every step of the way toward your dream home.

      Discovery Call
      Learn Your Options

      Give us a call to take the stress out of the home-buying process and explore your opportunities.

      • Understand your options for owning a home.
      • Review your financial qualifications.
      • Gain assurance about the entire process, tailored to your needs.
      Make a Decision
      Apply for a Mortgage

      Let us help you take the next step toward your dream home.

      • Get prequalified to determine your borrowing potential.
      • Submit your application and receive approval.
      Shop for Homes
      Find Your Perfect Fit

      Start the exciting journey of selecting your future home.

      • Partner with a trusted realtor in our network who can guide you to close.
      • Explore properties and choose the one that meets your goals.
      Get Under Contract
      Secure Your Property

      Work with us to finalize your agreement with confidence.

      • Review the contract together to ensure clarity and understanding.
      • Secure your property by signing the agreement.
      Close the Deal
      Welcome Home

      Finalize the purchase and prepare for a bright future in your new home.

      • Agree to the terms and conditions, and we’ll handle the rest.
      • Enjoy the satisfaction of turning your dream into reality.

      1. Discovery Call

      Learn Your Options

      Give us a call to take the stress out of the home-buying process and explore your opportunities.

      • Understand your options for owning a home.
      • Review your financial qualifications.
      • Gain assurance about the entire process, tailored to your needs.

      2. Make a Decision

      Apply for a Mortgage

      Let us help you take the next step toward your dream home.

      • Get prequalified to determine your borrowing potential.
      • Submit your application and receive approval.

      3. Shop for Homes

      Find Your Perfect Fit

      Start the exciting journey of selecting your future home.

      • Partner with a trusted realtor in our network who can guide you to close.
      • Explore properties and choose the one that meets your goals.

      4 .Get Under Contract

      Secure Your Property

      Work with us to finalize your agreement with confidence.

      • Review the contract together to ensure clarity and understanding.
      • Secure your property by signing the agreement.

      5. Close the Deal

      Welcome Home

      Finalize the purchase and prepare for a bright future in your new home.

      • Agree to the terms and conditions, and we’ll handle the rest.
      • Enjoy the satisfaction of turning your dream into reality.




      The Forge Commitment

      At Forge Home Consulting, we are committed to empowering aspiring homeowners with honesty, integrity, and education. Our mission is to help you build generational wealth through real estate while honoring your unique journey.

      Shaking Hands
      30 Days Average Closing Time
      Shaking Hands
      30 Days
      Average Closing Time

      Ready To Become A Homeowner?

      See If You Qualify Today

      Minimum 580 Credit Score. No Income Limit

      Please let us know your first name.
      Please let us know your last name.
      Please let us know your phone number. i.e. 123-456-7890
      Please let us know your email address.
      Please let us know your Monthly Household Income
      Please Let Us Know Your Credit Score
      Please let us know the size of your household.
      Please let us know the price range you are looking to spend on a home.
      Please let us know your desired city/cities where you would like to purchase.
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      Zero Down Mortgage FAQs

      What is a Zero Down Mortgage?

      A Zero Down Mortgage allows you to buy a home without making a down payment, helping you secure a property with little upfront cost.

      Who qualifies for a Houston Zero Down Home Loan?

      Buyers with a minimum 620 mortgage FICO score, stable income, and a reasonable debt-to-income ratio can typically qualify.

      How is Zero Down different from Down Payment Assistance?

      Down Payment Assistance provides grants or loans to cover a portion of the down payment, while Zero Down eliminates the need for a down payment entirely.

      Do I need perfect credit to qualify?

      No, but you’ll need at least a 620 FICO score and a steady work history to meet lender requirements.

      Are there any income restrictions for the Zero Down Mortgage?

      No, unlike many assistance programs, there are no income restrictions, but your debt-to-income ratio will impact how much you qualify for.

      Can I still use seller concessions with a Zero Down Mortgage?

      Yes! In many cases, seller contributions can help cover closing costs, making the home purchase even more affordable.

      What are the closing costs with a Zero Down Mortgage?

      Closing costs typically range from 2% to 5% of the home price, but Forge Home Consulting helps cover up to 1.5% of these costs.

      Can I use a Zero Down Mortgage for an investment property?

      No, this program is designed for primary residences, meaning you must live in the home.

      Will I have a higher mortgage payment without a down payment?

      Your monthly mortgage will include principal, interest, taxes, and insurance, but our team works to ensure affordability.

      How can I get started with the Houston Zero Down Home Loan?

      Simply consult with Forge Home Consulting, and we’ll guide you through the qualification process and help you find the right mortgage.

      Where We Help You Find Home

      Forge Home Consulting proudly serves communities across Texas and beyond, helping aspiring homeowners turn dreams into reality with tailored guidance and Zero Down solutions.

      The Forge Commitment

      At Forge Home Consulting, we empower aspiring homeowners with consultation and education, and do it with integrity, honesty, and honor. Our mission is to help you forge financial freedom through homeownership.