207 West Hickory
Suite #215
Denton, Texas 76201
Toll free: 877-592-9894
Fax: 866-945-9668
NMLS #781850
This office is licensed and examined
by the Office of Consumer Credit Commissioner of the State of Texas.
Program is available through
LampLighterOne and provided by Primary Residential Mortgage, Inc. member Realtors. All offers extended
on this website are subject to
change without prior notice.
LampLighterOne and Primary Residential Mortgage, Inc. are providers for the teacher homebuying program. It is for school employees, in cooperation with our selected Realtors.
We offer a 5% down payment assistance grant program TSAHC (Texas State Affordable Housing Corporation) for professional educators who meet income guidlelines, or a tax creditprogram MCC (Mortgage Certificate program) that will refund you up to $2,000 a year for as long as you are paying interest on your home! These are programs offered by the State of Texas through a number of participating banks like Primary Residential Mortgage, Inc. Please call us to determine your eligibility. Be sure to contact us to learn about additional new and exciting program assistance for first time homebuyers.
The savings below are typical, but each program works slightly differently and offers are subject to change without notice.
The expenses that are paid on behalf of educators are spread between Realtor, Lender, and Seller:
Free Lender Credit Check *
$45.00 Paid by the Lender
Cost of Title Insurance
$1,200.00 Paid by the Seller
Cost of Transaction Fee
$795.00 Not charged by the Realtor
Termite Inspection (if required)
$75.00 Paid by the Realtor
Appraisal Fee *
$450.00 Paid by the Lender
Cost of Home Warranty
$435.00 Paid by the Seller
Buyer’s Side Commission *
$4,500.00 Paid by the Seller
Closing Costs
$4,500.00 Paid by Seller for the Buyer
* Certain Restrictions Apply. (TSAHC program does not qualify for these items, credit check and appraisal)
* Based on a sales price of $150,000 for the home. Certain restrictions may apply. New construction offers different
incentives unrelated to these offers. The cost of the Realtor commission is always paid by the seller in the State of Texas.
Participating Realtors and Lenders agree to these terms at the outset. The Seller agrees when accepting the contract
and may alter terms as long as they are mutually acceptable between buyer and seller. If you have further questions,
do not hesitate to ask your Realtor or Lender. LampLighterOne Realtors and Lenders are always willing to
discuss how they make their money with you.
