09/04/2026
TREC CE Class # 39035 - Outside the Box Lending & Down Payment Assistance
11:30 am Open Networking Lunch Provided
12:00 pm - 2:00 pm TREC CE Class
Clients often think they need a certain percentage down on a certain term. However, we will discuss the non-traditional lending products available for a client that might be considered "outside the box."
The different programs available. – Go over the various programs that work alongside of the major programs and the programs that don’t
Down Payment Assistance Programs for First-Time Home Buyers – There are multiple gov’t and non-profit organizations that want to help home buyers achieve the American Dream.
Down Payment Assistance Programs for Repeat Buyers – Busting the myth that just because they have owned a home before, they no longer qualify for down payment assistance.
TDHCA – Discuss the pros and cons of these two entities.
TSHAC - Discuss the pros and cons of these two entities.
Non-QM Loans / Portfolio Loans – What are these types of programs, and no they are not subprime.
Bank Statement Programs – Going over products available for business owners with high cash flow but low income on taxes.
Investor Cash Flow Programs – Going over products available for real estate investors with multiple properties.
Reverse Mortgage - allows homeowners to convert part of their home equity into tax-free cash without making monthly mortgage payments
Austen Smith, CMPS, CMN, CRL
Impact Leadership Group TREC Education Provider #9969
