Southeast Texas Housing Finance Corporation (SETH)

SETH promotes affordable housing opportunities for low to moderate-income eligible Texans by offering down payment and closing cost assistance.

SETH GoldStar Program

  • Provides assistance in the form of a forgivable second lien
    • Forgiveness structures offered include various year terms
    • Community Second Liens are considered forgiven at the end of the second term
  • Can be used for down payment and closing costs
  • Maximum amount of assistance is 7% of the final loan amount
  • Provides a fixed rate mortgage
    • FHA, VA, USDA, or Conventional
  • Available in Texas outside of Travis County and the city limits of El Paso, McKinney and Grand Prairie
  • Requires mortgage approval with a program lender
  • Must meet income eligibility requirements*
  • Not limited to first-time homebuyers
  • Must complete SETH homebuyer education course
  • Maximum purchase price: $492,500


Why choose Jefferson Bank for your mortgage needs?


The San Antonio area has been our home for more than 75 years. Our experienced  team is familiar with the unique needs of the region. We’ve helped thousands of local residents realize their goal of home ownership.

Home Loans Made Easier
Home Loans Made Easier

Manage the entire home loan process with the Jefferson Bank Home Loan App. It’s quick, simple, and secure. You can get prequalified and apply for your home loan from the convenience of your smart device. Scan and securely upload documents and receive step-by-step notifications of your loan progress. It’s free and you can download it from the App Store or Google Play.

Personal Service
Personal Service

This is personal to us. Those aren’t just words, it’s the core business philosophy we live by everyday. Our team is dedicated to exceeding expectations with an unrivaled level of personalized service.

Ongoing Support
Ongoing Support

Our commitment to you doesn't end at closing. We’re always here with quick responses to your ongoing needs and questions. We’re your home base for home loans, now and in the future.

Competitive Rates
Competitive Rates

Best of all, you’ll have access to our experience and service while still enjoying competitive financing rates.

Notices & Disclosures

*Your lender can determine income level eligibility based on program guidelines

While Jefferson Bank does not charge fees for the use of mobile banking, standard internet service rates may apply. Check with your service provider for details.