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About GoldStar


The SETH GoldStar Program provides assistance in the form of a forgivable 2nd lien. The maximum amount of Assistance to be provided is 7% and is based on the final loan amount.  Assistance funds are provided with our 3 Year, 7 Year or 10 Year Community Second Liens.  The Assistance is considered forgiven at the end of the Community Second Term. Your Loan Officer can help you decide which option is the best choice for you.


These funds can be used toward your down payment and closing costs. The program also provides a 30 year fixed rate mortgage. Mortgage options are FHA, VA, USDA and Conventional. There is no pre-payment penalty or federal recapture tax for the mortgage loan. 

This program is available in Texas but outside of Travis County and the city limits of El Paso, McKinney and Grand Prairie. Buyers must be income eligible (see below) and will be required to complete the SETH on-line Homebuyer Education Course.

GET STARTED TODAY- Contact a Program Lender









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       Mortgage Approval With a Program Lender

       Meet Program Income Limits

       Minimum FICO Score of 620 (640 USDA)

       Complete SETH HBE Course

       Maximum Purchase Price: $492,500

About GoldStar

Contact A Program Lender

Program Lender List

.Maximum Purchase Prices:
FHA Max Sales Price Limits 
USDA/VA/Conv Max Sales Price Limit: $492,500

Maximum Income Limits:
FHA/VA Max Income Limits
USDA Max Income Limits
Conventional Incomes

Lender List
Homebuyer Education

Homebuyer Education

Choosing Your Course:

  • Purchase Transactions: If you are purchasing a home, you will be attending our Homebuyer Education Course using the link below.  SETH only requires one borrower on the loan to complete our course. You are able to invite your co-borrower to attend the course jointly with you.    

  • Refinancing: Only one borrower is required to complete the Post Purchase Education. You are welcome to invite your co-borrower to attend jointly with you.  


Step 1

Use the Get Started Now button and select your course.  You will need to create an account.

Step 2

You will submit your course payment in the Complete Purchase Section. The cost for Homebuyer Education is $100 and Post Purchase Education is $75.  There is no addtional cost to invite your co-borrower to attend with you.

A certificate is provided upon completion and is required for the GoldStar Program.  The certificate is valid for 12 months. Courses are offered in Spanish and English.

Contact SETH


Louise Shi: Homebuyers

Rhonda Mitchell: Lenders

Contact SETH
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