Discovery Call
- Understand your options for owning a home.
- Review your financial qualifications.
Forge Home Consulting / Houston, Texas
Forge your
way home.
Zero Down and down payment assistance, with lending and real estate under one roof. Put the down payment on the anvil.
Down payment 3.5%$10,500
Closing costs 1.5%$4,500
Three strikes. One key.
Strike the ingot / tap the anvilIllustrative forge
Out of pocket:$15,000
Forge Home Consulting covers 3.5% for the down payment and 1.5% for closing costs.
Illustrative math on a sample price, not a quote. Closing costs typically run 2% to 5%; Forge helps cover up to 1.5%. Qualifying depends on your credit, work history and debt-to-income.
Consult With Us Today Hablamos español
450+Homes sold
$150M+In loans approved
30 daysAverage closing time
100+Five-star reviews
The process
Five heats. A home at the end.
A clear next step from the first conversation to the day you get the keys.
Make a Decision
- Get prequalified to determine your borrowing potential.
- Submit your application and receive approval.
Shop for Homes
- Partner with a realtor in our network who can guide you to close.
- Explore properties and choose the one that meets your goals.
Get Under Contract
- Review the contract together for clarity and understanding.
- Secure your property by signing the agreement.
Close the Deal
- Agree to the terms and conditions, and we’ll handle the rest.
- Complete the purchase of your home.
Home-buying services
The right tools, on one rack.
Down payment support, mortgage lending and a realtor to help you find the home.
Zero Down
Forge Home ConsultingBuy a home without a traditional down payment. Start by finding out what you qualify for.
Explore Zero DownForge Home Lending
Powered by NEXAWork with the lending team to review your qualifications and financing options.
Meet the lending teamRealtor
Powered by BK Real EstateFind a home with a realtor who can guide you from showings through closing.
Find your realtorDown payment assistance programs
TDHCA
My First Texas Home
Offers first-time buyers and veterans 0% interest on down payment assistance and flexible mortgage terms.
TDHCA
My Choice Texas Home
Provides up to 5% in down payment and closing cost assistance for all buyers, not limited to first-timers.
TSAHC
Home Sweet Texas Home Loan Program
Provides down payment assistance for low- to moderate-income homebuyers with flexible credit requirements.
SETH
5 Star Texas Advantage Program
Provides grants for down payment and closing costs with no repayment required to buyers who meet income and property eligibility criteria.
CHENOA
Chenoa Fund
A nationwide program offering down payment assistance for low- to moderate-income homebuyers.
The smith
He’s held the first key, too.
Franz bought his first home with zero down. Now he helps other families do the same.
“Consultation and education… with integrity, honesty, and honor.”
The Forge Commitment
Franz Sarangaya
CEO/Founder
Realtor & Mortgage Loan Officer
Born and raised in the Philippines, Franz came to Houston as a teenager. His work took him from a landscaping business to real estate, with his own zero down purchase at the center of it.
- Moved to Houston at 13.
- At 25Left college, then started and scaled a landscaping business before moving into real estate.
- He and his wife bought their first home with zero down.
- TodayOver 450 homes sold and $150M+ in loans approved.
The people behind the work
Jul Lamson
Mortgage Loan Officer
NMLS#2775386Elaine Bajade
Marketing & Credit Specialist
Rene Galeas
Real Estate Specialist
Zero down homeowner, 2021Ezequiel Martinez
Realtor
License 782170-SALester Leonares
Real Estate Agent
BK Real Estate
Google reviews
From the other side of closing.
★★★★★
“In less than seven days, I was able to work with Franz and make an offer on a home.”
★★★★★
“If you think you can’t buy a home, I highly recommend reaching out to Franz.”
★★★★★
“…achieve my exact target for both my down payment and monthly payments.”
★★★★★
“He helped my family purchase our first home and was there for us every step of the way.”
A few questions first
Know what goes
into the fire.
Your options depend on your situation. Get the basics here, then talk through the details with Forge.
All Zero Down FAQsIs Zero Down the same as down payment assistance?
Zero Down removes the need for a down payment. Down payment assistance uses grants or loans to cover part of the down payment.
Are there income restrictions?
Forge’s Zero Down Mortgage has no income restrictions. Your debt-to-income ratio affects how much you qualify for.
Can the seller help with closing costs?
Yes. In many cases, seller contributions can help cover closing costs.
What about closing costs?
Closing costs typically range from 2% to 5% of the home price. Forge Home Consulting helps cover up to 1.5%.
Can I use this for an investment property?
The Zero Down program is for primary residences. You must live in the home.
Where we work
Houston, and beyond.
Serving Greater Houston and these Texas communities.
AtascocitaBeaumontClear LakeCollege StationConroeCypressDallasFriendswoodHumbleKatyKingwoodLa PorteLeague CityMissouri CityMontgomeryNew CaneyPasadenaPearlandRichmondSpringStaffordSugar LandTomballSan AntonioThe Woodlands
Start with a conversation