^*Property must be located within a census tract comprised of greater than 50% minority population and/or a “low” or “moderate" income level as determined by the FFIEC Geocoding/Mapping System within the following Texas counties: Collin, Dallas, Hunt, Johnson, Kaufman, Rockwall, Tarrant, or Van Zandt. Homebuyer education required for first-time buyers or buyers who have not owned a home in the last three years. **While funds last. Consult a tax advisor for potential tax implications. All loans are subject to credit approval and program guidelines. Third party fees apply. NMLS 445248. Equal Housing Lender.