I'm Bond Peter Njoku (NMLS #2670329), a Garland-based loan officer who helps local buyers qualify for FHA loans with as little as 3.5% down — often stacked with Dallas DHAP for up to $60,000 in forgivable assistance.
Garland is one of the best markets in DFW for first-time buyers right now. Homes in the $200,000–$320,000 range are still reachable, and FHA loans make that even more accessible — especially when layered with Dallas DHAP assistance, which can cover up to $60,000 of your purchase costs (forgivable over 5 years for buyers within Dallas city limits, with nearby Garland properties often qualifying).
I've helped buyers across South Garland, North Garland, and the Firewheel corridor get to closing using FHA + DPA combinations that left them with very little out of pocket. If you've been renting and think you can't afford to buy in Garland right now, I'd encourage you to call me and run the actual numbers first.
| Minimum credit score | 580 (for 3.5% down) |
|---|---|
| Minimum down payment | 3.5% of purchase price |
| Down payment source | Savings, gift funds, or DPA |
| Debt-to-income ratio | Up to 57% (case by case) |
| Property types | Single-family, condo, 2–4 unit |
| Mortgage insurance | Upfront MIP + annual MIP |
| DPA compatibility | TSAHC, TDHCA, Dallas DHAP |
Up to $60,000 in forgivable down payment and closing cost assistance for eligible buyers. Forgiven over 5 years — no monthly payments on the assistance. Income limits apply. First-time buyer required. I'll tell you upfront if your Garland address qualifies.
A 3–5% grant on the loan amount — no repayment ever required. Works with FHA loans for buyers across all of Texas, including all of Garland. No first-time buyer requirement. Income limits apply (~$97,200 for Dallas/Tarrant County in 2026).
Up to 5% of the loan in deferred second-lien assistance, forgiven at year 3. Combined with a competitive FHA first mortgage rate. Available to first-time buyers and veterans in Garland. Income limits apply.
These programs can't always be combined with each other, but they can be combined with FHA. I'll match you to the best combination based on your income, credit, and the home's address. Text me at 469-545-7180 and I'll run your numbers same day.
Reach me at 469-545-7180. I'll ask about your income, credit range, and what you're looking to buy. No formal application yet — just a conversation to see what's possible.
I'll review your credit profile and tell you exactly where you stand — which programs you qualify for today, and if there are any quick fixes that could open more options.
I'll show you two or three real scenarios with actual payment numbers — including which DPA program fits best and what you'd need to bring to closing (often very little).
Once you're approved, I issue your pre-approval letter so you can make offers with confidence. I stay available to Garland agents and their clients throughout the process.
I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer based right here in Garland at 1919 S. Shiloh Rd, Suite 518. I specialize in FHA loans for Garland buyers and I'm approved to originate Dallas DHAP and TSAHC programs. Call or text 469-545-7180.
FHA guidelines set the minimum at 580 for the 3.5% down payment option. If your score is between 500–579, you may still qualify with 10% down. I look at your whole picture — not just the score — and I'll tell you exactly where you stand after a quick review. Call me at 469-545-7180.
Yes, in most cases. The Dallas DHAP program provides up to $60,000 in forgivable assistance and is compatible with FHA loans. Eligibility depends on income, the property address, and first-time buyer status. I'll verify your eligibility before we go further so you know exactly what you're working with.
I typically issue a pre-approval decision within 24–48 hours of receiving your documents. If your file is straightforward, sometimes same day. I'm Bond Peter Njoku (NMLS #2670329) and I work directly with you — you're not handed off to a call center. Text me at 469-545-7180 to start.
I'm Bond Peter Njoku (NMLS #2670329), your local Garland loan officer. Call, text, or WhatsApp me at 469-545-7180 and I'll run your FHA numbers — including DPA eligibility — at no cost and no obligation.
Also serving nearby: Mesquite · Dallas · Rockwall · Forney · FHA Loans in Mesquite · FHA Loans in Dallas · FHA Loans Overview · Down Payment Assistance