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  • November 05, 2018

HELP Grant Gives San Antonio Mother a Chance to Become a Homeowner

Texas Capital Bank and FHLB Dallas Provide Down Payment Assistance

SAN ANTONIO, TEXAS, November 5, 2018 — San Antonio mother Vanessa Aleman wanted to give her two young sons, Cameron (5) and Caleb (3), everything they wanted. Living in a single room at her mother's house, however, made it difficult for her to give her kids the space they needed to grow. The lack of space and privacy became more of an issue the longer they stayed at her mother's house.

"As a single parent, I felt like I could not progress," said Ms. Aleman. "I do not make enough money to save to purchase a home through a traditional loan."

When she learned from Habitat for Humanity of San Antonio about the Homebuyer Equity Leverage Partnership (HELP) offered by the Federal Home Loan Bank of Dallas (FHLB Dallas), Ms. Aleman was hopeful for her sons' futures. She received a $4,500 HELP grant from Texas Capital Bank – an FHLB Dallas member – and FHLB Dallas.

Habitat for Humanity of San Antonio's mission is to build decent and affordable housing for those in the San Antonio area, who don't have the means to pay for a house themselves. Habitat for Humanity of San Antonio partners with hardworking, low-income families help them build affordable homes at no interest or profit. The organization prides itself on the motto, "a hand up, not hand out," to help families help themselves and their community.

Habitat for Humanity of San Antonio Vice President Stephanie Wiese said programs like HELP allow the organization to assist more families in the community.

"Habitat for Humanity of San Antonio's mission is to build affordable homes alongside hard working families in need. We are very much an empowerment program," said Ms. Wiese. "We are so grateful for financial institutions such as FHLB Dallas and Texas Capital Bank that further our mission through programs such as HELP."

HELP grants are offered by FHLB Dallas through its member financial institutions like Texas Capital Bank to assist first-time homebuyers with down payments and closing costs on new or existing homes. Texas Capital Bank has leveraged more than $7 million in FHLB Dallas grant funding to invest in their communities. Projects include down payment and closing cost assistance for first-time homebuyers, rehab grants for the elderly and other special-needs households, housing repairs and/or modification assistance for veterans, operational funding for community-based organizations, small business grants and disaster recovery assistance grants.

"HELP gives hardworking families the boost they need to get across the finish line," said Gloria Delgado, San Antonio community development officer at Texas Capital Bank. "Ms. Mathews is very deserving of this grant and we're proud to partner with FHLB Dallas to assist her and her family."

Since the program's inception in 2002, HELP grants totaling more than $17.2 million have assisted more than 3,300 families. For 2018, FHLB Dallas made $2 million available on a first-come, first-serve basis. Visit to view current availability of HELP funds.

"The HELP grant helps our members keep the dream of homeownership alive for their customers," said Greg Hettrick, first vice president and director of Community Investment at FHLB Dallas. "Our partnership with Texas Capital Bank is the key that opens the door for first-time homebuyers."  

Ms. Aleman said that without the grant, she would not have been able to give her sons the life she believes that they deserve.

"My sons now have space to grow and a backyard to play in," said Ms. Aleman. "We belong to a community and we could not be happier."

About Habitat for Humanity of San Antonio

Habitat for Humanity of San Antonio is an ecumenical, Christian organization working with families in need to build decent and affordable homes without interest or profit. Habitat plans to build 50 homes in 2018. The organization was founded in 1976 as the first U.S. affiliate of Habitat for Humanity International. Habitat has built 1,071 homes since 1976.

About Texas Capital Bank

Texas Capital Bank, N.A. is a commercial bank that delivers highly personalized financial services to businesses and entrepreneurs. We are headquartered in Texas working with clients throughout the state and across the country. Texas Capital Bank is a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ®: TCBI) and is recognized as a Forbes Best Banks in America and the Dallas Morning News' Top 100 Places to Work company. For more information, visit Member FDIC.

About the Federal Home Loan Bank of Dallas

The Federal Home Loan Bank of Dallas is one of 11 district banks in the FHLBank System created by Congress in 1932. FHLB Dallas, with total assets of $73.7 billion as of September 30, 2018, is a member-owned cooperative that supports housing and community investment by providing competitively priced loans and other credit products to approximately 825 members and associated institutions in Arkansas, Louisiana, Mississippi, New Mexico and Texas. For more information, visit

Contact Information:

Corporate Communications
Federal Home Loan Bank of Dallas