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EDUCATOR HOMEBUYER GUIDE

Teacher

Home

Program

Your Path to Homeownership Starts Here

Exclusive benefits, zero-down loan options,

and local expert guidance — just for educators.

Presented by

David Sammon

Local Housing Expert

512-423-3582

atxbenjamin@gmail.com

★ ZERO COST TO EDUCATORS

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David Sammon -"Coach Sammon"

Background - Masters degree in Educational Administration

- 23 years of educational experience in five different Texas districts

- Worked in Leander, North East, Austin, Pflugerville, and Judson ISD

- Current Athletic Coordinator and former Interim Principal

- Graduate of Northside ISD in San Antonio and currently in Austin ISD

- Owner of two mission driven businesses focused on helping educators and school communities

(ATX Benjamin Realty + Founder of the Teacher Home Program)

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WHY HOMEOWNERSHIP MATTERS FOR EDUCATORS

Building Wealth. Putting Down Roots. Creating Stability.

36x

MORE NET WORTH

Homeowners build significantly more wealth over time vs. renters

Fixed

MONTHLY COSTS

Lock in your mortgage rate — no more unpredictable rent increases

Roots

IN YOUR COMMUNITY

Live near your school, know your students' neighborhoods

As an educator, you dedicate your career to your community. Owning a home lets you truly become part of it — and build lasting financial security for your future.

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THE HOME BUYING PROCESS

6 Steps to Owning Your Home

Get Pre-Approved

Know your budget before you shop. We connect you with educator-friendly lenders.

Find Your Home

Your local expert guides you to the right neighborhood near your school.

Make an Offer

We help you craft a competitive offer and negotiate on your behalf.

Home Inspection

Uncover any issues before closing. Never skip this step.

Loan Approval

Your lender finalizes your zero-down educator loan.

Close & Move In!

Sign the papers, get your keys, and use your cash rebate for moving costs!

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UNDERSTANDING YOUR FINANCES

What Lenders Look At — And What You Can Do

Credit Score

620+ for most loans. 680+ gets better rates. Check yours free at AnnualCreditReport.com.

Debt-to-Income Ratio

Keep monthly debts under 43% of gross income. Pay down cards before applying.

Employment History

2 years of steady employment preferred. Teacher contracts are great documentation.

Savings & Reserves

With our zero-down programs, you may need little to no down payment — ask us!

QUICK TIPS

1. Don't open new credit accounts while in the home buying process��2. Avoid large purchases or moving money between accounts��3. Get pre-approved before you start house hunting��4. Gather pay stubs, tax returns & bank statements early��5. Ask us about educator-specific loan programs you qualify for

We help you prepare every document and connect you with the right lender.

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ZERO-DOWN LOAN OPTIONS FOR EDUCATORS

Own a Home with Little or No Money Down

These programs are designed specifically to make homeownership accessible for educators like you.

0% Down

VA Loan

MILITARY EDUCATORS

For eligible veterans and active-duty military who are also educators. No PMI, competitive rates.

0% Down

USDA Loan

RURAL AREAS

For eligible rural and suburban areas. No down payment required if the property qualifies.

Up to $15,000

Teacher Home Program

ADD ON for ALL EDUCATORS

Exclusive give back program of up to $15,000 to help with moving costs, rebate check, put into savings, buy new furniture.

Low/No Down

Educator Mortgage

ALL EDUCATORS

Lender programs with reduced fees, closing cost credits, and flexible down payment requirements for educators.

3.5% Down

FHA Loan

FIRST-TIME BUYERS

Government-backed loan with lower credit requirements. Great for first-time buyers. Often paired with grants.

Varies

Down Payment Assistance

STATEWIDE

State and local programs that provide grants or forgivable loans to cover your down payment entirely.

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TEACHER HOME PROGRAM — YOUR EXCLUSIVE BENEFITS

Everything We Provide — At Zero Cost to You

Closing Cost Credits

Receive meaningful credits toward closing costs, keeping more money in your pocket on closing day.

Cash Rebates

Get cash back after closing to help cover moving costs, new furniture, or whatever you need.

Zero-Down Educator Loans

We connect you with lenders offering specialized zero-down mortgage programs for school employees.

Local Housing Expert

A dedicated expert who knows your area and helps you find the perfect home near your school.

Educator-Owned Team

Our team has education roots. We speak your language and understand your unique financial situation.

Relocation Resources

Neighborhood guides, community info, apartment resources — everything to make your move easy.

★ ALL OF THESE BENEFITS ARE FREE — ZERO COST TO YOU OR YOUR DISTRICT ★

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WHAT TO LOOK FOR IN A HOME

Must-Haves vs. Nice-to-Haves

CRITICAL FACTORS TO EVALUATE

Location & commute to your school

School district quality (especially if you have kids)

Neighborhood safety and community feel

Structural integrity — foundation, roof, HVAC

Age of major systems (water heater, electrical, plumbing)

Resale value and comparable home prices

HOA fees and rules (if applicable)

RED FLAGS — WALK AWAY OR NEGOTIATE

Foundation cracks or water intrusion signs

Outdated electrical panels (knob & tube wiring)

Evidence of mold or pest infestations

Roof nearing end of life without seller credit

Neighborhood with many vacant/distressed homes

Seller refusing inspection or hiding disclosures

Price significantly above comparable sales

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RENTING VS. BUYING — WHAT'S RIGHT FOR YOU?

We Help with Both — Here's How to Decide

RENTING — WHEN IT MAKES SENSE

✓ New to the area and still exploring neighborhoods

✓ Planning to move within 1–2 years

✓ Need time to build credit or save for costs

✓ Prefer flexibility without maintenance responsibility

✓ Just accepted your first teaching position

BUYING — WHEN IT'S THE RIGHT MOVE

★ Plan to stay in the area 3+ years

★ Ready to build equity instead of paying rent

★ Want predictable monthly housing costs

★ Qualify for zero-down educator loan programs

★ Want to put down roots in your community

Whether you rent or buy, our team provides free guidance, local expertise, and housing resources for educators.

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HOW THE TEACHER HOME PROGRAM HELPS YOU

Your Dedicated Partner from Start to Keys

Before You Buy

Connect with educator-friendly lenders

Review your zero-down loan options

Get pre-approved with our help

During Your Search

Local expert assigned to your area

Neighborhood guides & school proximity maps

Apartment & home search resources

Making an Offer

Expert negotiation support

Guidance on offer strategy

Review of inspection reports

Closing & Beyond

Closing cost credits applied

Cash rebate for your moving costs

Ongoing support as a homeowner

Every step of the way, the Teacher Home Program is by your side — at no cost to you.

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Ready to Find Your Home?

Your local Teacher Home Program expert is ready to help — reach out today.