HomeStart Program
Build your home on a solid foundation.
We strive to provide mortgage products that lower the barriers to homeownership for low and moderate income wage earners. Our Affordable Home Loans are designed to provide members of the communities we serve, a pathway to finance the home of their dreams.
HomeStart Program
Build your home on a solid foundation.
We strive to provide mortgage products that lower the barriers to homeownership for low and moderate income wage earners. Our Affordable Home Loans are designed to provide members of the communities we serve, a pathway to finance the home of their dreams.
NDBT's HomeStart Program1
Our HomeStart Program was created with the goal of serving our low-to-moderate income (LMI) communities in Dallas, Collin, and Denton Counties. We strive to aid LMI families reach sustainable homeownership through proper guidance and support, including after closing on your home.
Brenda Explains HomeStart
Program Benefits2
Low rate of 4.9% (4.929% APR)
Minimum 3% down
No PMI (Private Mortgage Insurance)
Escrow account required
Take advantage of closing cost assistance
Must meet household income limits set by HUD
No credit score minimum required
Down payment assistance options
ITIN Eligible3
Want Help With Closing Costs?
Explore additional down payment and
closing cost assistance options
Brenda Explains Assistance Options
Brenda Peralta
Mortgage Lender
NMLS: 2029954
(Bilingual – Spanish)
972.716.7379
brenda.peralta@ndbt.com
Not eligible due to income limits or looking outside Dallas/Collin/Denton Counties?
Contact Brenda to explore additional affordable home loan options.
*Promotional Rate: Promotional rate of 4.9% is applicable to HomeStart purchases and Rate and Term refinances. The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR includes the interest rate plus other charges or fees (such as tax service, flood hazard determination, and closing-related services) and assume that closing costs are paid out of pocket by the borrower. Borrower(s) must be a U.S. Citizen or U.S. Permanent Resident to qualify for the promotional rate. Maximum 90% loan-to-value (LTV) applies to Rate and Term refinances. Eligibility requirements apply. Contact a loan originator for more information.
Applications must be received on or before July 31, 2026, with the intention to close by September 15, 2026. 45-day rate lock will apply. Subject property must be sole property owned by borrower(s).
Explore closing cost credits, HomeStart Purchase Assistance options, and eligibility requirements by contacting Brenda Peralta, Mortgage Loan Originator.
1HomeStart Program. This is not a commitment to lend or extend credit. Conditions and restrictions may apply. For primary residence only. Purchase price minimum of $40,000. No private mortgage insurance (PMI). Escrow account required. Closing cost assistance available (must complete NDBT Homebuyer Workshop to qualify). Must meet household income limits set by HUD. No credit score minimum required; however, negative credit experience may be a basis for denial. Down payment assistance available. NDBT provides mortgage loans to residents of Dallas, Collin, and Denton Counties in Texas. All home lending products are subject to credit and collateral approval. Loan sizes, interest rates, and loan terms vary based on the applicant’s credit profile. Eligibility requirements apply. Subject property must be sole property owned by borrower(s). Contact a loan originator for more information.
Rates as of 3/24/2026 are subject to change without notice. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR includes the interest rate plus other charges or fees (such as tax service, flood hazard determination, and closing-related services) and assume that closing costs are paid out of pocket by the borrower. The estimated total closing costs do not constitute and are not a substitute for a Loan Estimate, which includes an estimate of closing costs you will receive once you apply for a loan.
2Program Benefits for U.S. Citizens/U.S. Permanent Residents. Minimum 3% down. Maximum 90% loan-to-value (LTV) applies to Rate and Term refinances. The 4.929% APR is based on a loan amount of $300,000 with a down payment of 3%. The following APR example is for a typical transaction and is only an example.
For a 30-year loan in the amount of $291,000 with a down payment of 3%, the monthly payment is $1,544.41. The monthly payment is shown as principal and interest only and does not include taxes, insurance or other applicable escrows. Your actual rate, payment, and costs could be higher. Program rates, terms and conditions are subject to change at any time.
3Program Benefits for ITIN Borrowers: Low rate of 8.75% (8.79% APR). Minimum 10% down. No PMI. Escrow account required. Closing cost assistance available (must complete NDBT Homebuyer Workshop to qualify). Must meet household income limits set by HUD. No credit score minimum required (negative credit experience may be a basis for denial). Down payment assistance options available. The 8.79% APR is based on a loan amount of $300,000 with a down payment of 10%. The following APR example is for a typical transaction and is only an example.
For a 30-year loan in the amount of $291,000 with a down payment of 10%, the monthly payment is $2,289.30. The monthly payment is shown as principal and interest only and does not include taxes, insurance or other applicable escrows. Your actual rate, payment, and costs could be higher. Program rates, terms and conditions are subject to change at any time.
