Homeownership remains one of the most powerful ways families build stability, create generational wealth, and strengthen communities. Yet in today’s rapidly changing housing market, many hardworking Tennesseans have found the dream of homeownership becoming increasingly difficult to reach.
As broker-owner of [Century 21 Capital Properties (https://www.c21capitalproperties.com and as a commissioner serving on the Tennessee Housing Development Agency board, I have the privilege of working closely with individuals and families navigating today’s housing market. Alongside my incredible team at Century 21 Capital Properties, we work daily with buyers who are searching not only for a home, but for stability, opportunity, and a brighter future.
Over the past few year, I have been honored to advocate alongside housing professionals, lenders, fellow commissioners, and community leaders for solutions that expand access to homeownership across Tennessee. One of the most important conversations centered around the realities of rising home prices and the growing need to modernize housing assistance guidelines to better reflect today’s market. I am proud to share that THDA recently implemented a significant change that will help more Tennessee families qualify for homeownership programs to help achieve the American dream of homeownership.
Effective May 18, 2026, the maximum purchase price for THDA financing increased from $400,000 to $500,000. This adjustment represents a meaningful step forward in expanding housing accessibility and creating opportunities for more middle-income families throughout our state. Qualified buyers may also receive up to 5% of the loan amount in down payment assistance through THDA’s Great Choice Plus program, subject to program guidelines. This assistance can help cover down payment and closing costs and may be the difference between continuing to rent and finally becoming a homeowner.
Many people are surprised to learn that the income limits are higher than expected. In counties such as Davidson, Williamson, Rutherford, and Wilson, households earning up to $137,760 for one-to-two-person households and $160,720 for households of three or more may qualify. For many Tennessee families, this change creates new possibilities and renewed hope.
At Century 21 Capital Properties, my team and I remain deeply committed to educating buyers, advocating for housing opportunities, and helping families navigate the path toward homeownership with confidence. We believe a home is more than just a financial investment — it represents security, dignity, and the foundation for future generations.
I am grateful to serve alongside individuals and organizations who continue working to expand access to housing opportunities across Tennessee. Meaningful change happens when leaders, advocates, and communities come together with a shared purpose to serve others. This is more than a policy update. It is a reminder that advocacy matters, collaboration matters, and helping families achieve the dream of homeownership still matters deeply in Tennessee.
—Eva Angelina Romero,
Broker/Owner
Century 21 Capital Properties
Call/Text: 615-538-8330 or
818-335-6271
www.C21CapitalProperties.com
