For Loan Officers · Texas
Texas loan officers close 40% faster with ReadinessIQ
Get pre-scored Texas borrowers — with credit range, DTI, income, and TDHCA / TSAHC DPA eligibility already flagged — handed to you the moment they mark themselves Ready.
Pre-qualified handoffs
Every Texas borrower runs through the readiness scorecard before you ever see them. Credit range, DTI, funds-to-close — all logged.
TDHCA / TSAHC DPA matched
RED cross-references every borrower against Texas Department of Housing and Community Affairs (TDHCA) & TSAHC programs live. You get the grant name and stackability up-front.
Realtor-friendly
Realtors in Texas share ReadinessIQ Passports with listing agents. Your name is on every one that hits an offer.
What ReadinessIQ knows about Texas lending
Texas Department of Housing and Community Affairs (TDHCA) & TSAHC
My First Texas Home (TDHCA)
30-year fixed first + up to 5% DPA (deferred 0% second, forgiven at 3 years).
Homes for Texas Heroes (TSAHC)
3–5% DPA grant or forgivable second for teachers, police, fire, EMS, corrections, veterans, nurses.
Home Sweet Texas (TSAHC)
Same DPA structure available to any income-eligible buyer (not just heroes).
TSAHC caps around $150K in metro counties; TDHCA is more restrictive at ~$122K.
County-level FHA context
High single-unit FHA limit in Texas: $632,500
Harris (Houston)
FHA at $524,225; largest DPA volume in Texas.
Dallas / Tarrant / Collin / Denton
DFW MSA: FHA at $524,225.
Travis (Austin)
FHA at $632,500 in Austin MSA.
Bexar (San Antonio)
FHA at $524,225.
Major Texas metros we route in:
Houston · Dallas · San Antonio · Austin · Fort Worth · El Paso
Loan officer FAQ · Texas
- How does ReadinessIQ help loan officers in Texas close more loans?
- Every borrower that lands on ReadinessIQ completes an AI-guided readiness scorecard before they ever hit your CRM. In Texas that means pre-scored files with income, credit range, DTI, and TDHCA / TSAHC eligibility already flagged — you're not spending Tuesday morning re-qualifying leads a Zillow bot sent you.
- Does ReadinessIQ know about TDHCA / TSAHC down payment assistance programs?
- Yes. Every Texas borrower is matched in real time against Texas Department of Housing and Community Affairs (TDHCA) & TSAHC programs including My First Texas Home (TDHCA), Homes for Texas Heroes (TSAHC), Home Sweet Texas (TSAHC). When a borrower qualifies, the handoff to you includes the exact DPA program name, grant amount, and stackability with FHA/Conv — no more Googling AMI caps.
- Which Texas markets does ReadinessIQ have the most borrower volume in?
- Strongest Texas pockets right now: Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso. If you're licensed in any of those metros the handoff queue fills fastest — SLA is 15 minutes borrower-to-LO from the moment they mark themselves Ready.
- Is ReadinessIQ a CRM or a loan origination system?
- Neither. ReadinessIQ sits in front of your CRM/LOS: it turns cold traffic into pre-qualified files, then hands the file to you (with a verified Readiness Passport) inside your existing workflow. Works alongside Encompass, Byte, LendingPad, Empower, and any CRM.
- How much does ReadinessIQ cost for a Texas loan officer?
- Individual LOs start free (5 handoffs/mo). Producer plan is $99/mo for unlimited handoffs, branded Readiness Passports, and DPA co-marketing collateral. Enterprise pricing is per-branch — see our pricing page.