I am a home owner in Garland and have no debts and perfect credit and this program actually cost me more than I would have payed if I had merely bought the home myself. The delays on inspections, arbitrary unwritten rules, and costly extensions with mortgage companies for even the most up to date house are rediculous to say the least. A burned out oven light will fail the entire home and it might take 2 weeks to get them to inspect it again.
UNWRITTEN RULE: You must qualify for the housing money as if it is another loan in ADDITION to the one you already have. Several people including myself were informed of this more than a month after we were approved and both of us were declined the day before our closing on the house. Thankfully, I qualified without the city help because they are less willing ot invest in their comnmunity than mortgage companies are. It put an unnecesary hardship on me because I was forced to do an FHA loan instead of a traditional loan to meet their requirements. Then they declined to provide the funding.
I would reccomend living in Garland but would avoid this program like wildfire. It cost me 1,700 more just waiting on them and I never saw the 10,000 assistance. It's a carrot on a stick and the Housing department was nothing but rude while I had to deal with them.