(713) 861-4849 family@familyhouston.org
Calm Down

Calm Down

Has there ever been a time when someone experiencing anxiety has been told to “calm down?” Anxiety is a feeling of fear, dread, and uneasiness and it can’t simply be stopped by someone saying to “calm down.” Anxiety can manifest itself in many ways, some common...
CLTPartnership

CLTPartnership

Family Houston and Houston Community Land Trust (HCLT) partner together to help more individuals and families purchase homes! We provide services to HCLT clients who don’t yet meet the requirements for homeownership and we also refer our clients, who are interested in...
CreditScore

CreditScore

How to Increase Your Credit Score There are 5 factors that affect your credit score: Payment history Credit utilization (how much of your revolving debt you are using) Average age of accounts Credit mix Inquiries What are ways to increase your credit score? Pay your...
DownPayment

DownPayment

Strategies to Save for a Down Payment Figure out how much down payment you will need Don’t forget to consider moving and closing costs Closing costs include lender fees, appraisal fee, home inspection fee, and transfer fees which can total between 3% to 4% The...
DTI

DTI

Lenders use debt-to-income ratio (DTI) — along with credit history — to evaluate whether a borrower can repay a loan. To calculate your DTI, add up the payments you owe, such as rent or mortgage, student loan, auto loan payments, personal loans, credit card minimums,...