For the work that HUD does and the housing market in general, Hispanics truly are the future, according to HUD secretary Julian Castro, former mayor of San Antonio.  Castro was talking about the nation as a whole, but it applies to Texas.  52% of international immigrants from 2000 thru 2009 and by 2040 it is will be 52% are Hispanic.  For more TX population projections, read information from Dr. Jim Gaines at the TX Real Estate Center at TAMU.  The National Assoc. of HIspanic Real Estate Professionals said that within 6 years, 1/2 of first-time homebuyers nationwide would be Hispanic.  The potential is there if the economy and mortgage policy is working.  Tight credit markets must ease enough to help people secure mortgages.