Gifford Home Loans | Powered by Supreme Lending

979-571-9067

  • Home
  • Apply Now – Supreme
  • Loan Programs
    • First-Time Home Buyer
    • Conventional Loans
    • FHA Loans
    • VA Home Loans Texas
    • Mortgage Refinancing
    • Assumable Mortgage Tool
    • Reverse Mortgages
    • Renovation 203K Loans
    • DSCR Loan
  • Divorce
    • Divorce Lending
  • Calculator Hub
    • Assumable Loan Calculator
    • Affordability Calculator
    • Equity Gap Calculator
    • Closing Cost Calculator
    • Home Equity Options
    • House Sale Calculator
    • Mortgage Calculators
    • DSCR Rental Calculator
    • Mortgage Buydown Tools
    • Refi vs Current Mortgage
    • Property Tax Calcualtor
  • Resources
    • Texas Mortgage Blog
    • About Us
    • Current Mortgage Rates
    • Local Realtors
    • Buy This Home
  • More
    • Home
    • Apply Now – Supreme
    • Loan Programs
      • First-Time Home Buyer
      • Conventional Loans
      • FHA Loans
      • VA Home Loans Texas
      • Mortgage Refinancing
      • Assumable Mortgage Tool
      • Reverse Mortgages
      • Renovation 203K Loans
      • DSCR Loan
    • Divorce
      • Divorce Lending
    • Calculator Hub
      • Assumable Loan Calculator
      • Affordability Calculator
      • Equity Gap Calculator
      • Closing Cost Calculator
      • Home Equity Options
      • House Sale Calculator
      • Mortgage Calculators
      • DSCR Rental Calculator
      • Mortgage Buydown Tools
      • Refi vs Current Mortgage
      • Property Tax Calcualtor
    • Resources
      • Texas Mortgage Blog
      • About Us
      • Current Mortgage Rates
      • Local Realtors
      • Buy This Home

979-571-9067

Gifford Home Loans | Powered by Supreme Lending
  • Home
  • Apply Now – Supreme
  • Loan Programs
    • First-Time Home Buyer
    • Conventional Loans
    • FHA Loans
    • VA Home Loans Texas
    • Mortgage Refinancing
    • Assumable Mortgage Tool
    • Reverse Mortgages
    • Renovation 203K Loans
    • DSCR Loan
  • Divorce
    • Divorce Lending
  • Calculator Hub
    • Assumable Loan Calculator
    • Affordability Calculator
    • Equity Gap Calculator
    • Closing Cost Calculator
    • Home Equity Options
    • House Sale Calculator
    • Mortgage Calculators
    • DSCR Rental Calculator
    • Mortgage Buydown Tools
    • Refi vs Current Mortgage
    • Property Tax Calcualtor
  • Resources
    • Texas Mortgage Blog
    • About Us
    • Current Mortgage Rates
    • Local Realtors
    • Buy This Home

MOST BUYERS GET THIS WRONG. WHAT YOU CAN ACTUALLY AFFORD

Home Buying 101: Start with Your Budget


Amber and Scotty Gifford discuss the biggest mistake home buyers make, shopping for homes before knowing what they can afford. 


Learn why getting pre-approved first is essential and how today’s buyer’s market creates opportunities for better deals, seller concessions, and stronger negotiating power.

Start here, tell us a little about what you're looking for

Buying your first home? Don't overlook seller concessions!

Personalized service tailored to your unique needs.

Experienced professionals dedicated to your success.

Many buyers don't realize the seller may be able to help pay for certain closing costs, prepaid expenses, or even help lower your initial mortgage payments with options like a temporary 2-1 buydown.


Understanding how seller concessions work can help you make smarter decisions, reduce your upfront costs, and potentially make homeownership more affordable.


We put together a guide explaining:

What seller concessions are


How much a seller can contribute
How they can be used
How to estimate your closing costs


Plus, check out our Buyer Closing Cost Calculator to see how the numbers work for your specific situation.


Read the full guide  

What Are Seller Concessions? A Guide for Texas Homebuyers


Scotty Gifford is a licensed Mortgage Loan Originator. NMLS #2357310.
Mortgage loans are originated and funded through Supreme Lending (Everett Financial, Inc. dba Supreme Lending), NMLS #2129.

Gifford Home Loans is a marketing brand used for informational and promotional purposes only and is not a separate mortgage lender or financial institution.


Scotty Gifford is affiliated with Supreme Lending and operates under its mortgage license.

Equal Housing Opportunity Lender.


All loan programs are subject to credit approval, property approval, and program guidelines. Rates and terms may change without notice.

 
© 2026 Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
5050 Quorum Drive Suite 5050, Dallas TX 75254 | 877-350-5225 | Branch: 214.340.5225

NMLS Consumer Access

 

This is not an offer to enter into an agreement. All information is subject to change without notice. Loans are subject to credit and property approval.

Supreme Lending is an equal opportunity employer and does not discriminate based on race, color, religion, sex, national origin, age, disability, or any other protected class under federal or state law.


For Texas borrowers only: Texas Complaints/Recovery Fund Notice (PDF)
Licensing | Privacy Policy | Consumer Complaints | Terms of Use


 This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: www.SupremeLendingNewYork.com. 


Copyright © 2026 Gifford Home Loans | Powered by Supreme Lending

 All Rights Reserved.  All photos, images, and videos on this website are copyrighted and may not be downloaded or reused without written permission.  

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

DeclineAccept