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Texas Statewide
                                                                       Homebuyer Education

                                                                          Program (TSHEP)

                                                                    Tara Welton keeps score during a

                                                                       training exercise at a TSHEP
                                                                     training workshop in Houston in
 Homeownership                                                     August 2016. Tara is the Financial
 Programs                                                                Education Coordinator at

 TSAHC provided Josh and Sarah                                            Austin-based nonprofit
 Barnes with a fixed-rate mortgage                                               Foundation
 loan and a grant for down payment                                              Communities.

 assistance to purchase their first
 home in Amarillo. As first-time
 buyers, Josh and Sarah also qualified
 for a Mortgage Credit Certificate,
 which will save them up to
 $2,000 every year on their
 income taxes.

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