30 YEAR FIXED
Low Fixed Rates For 30 Years
30 YEAR FIXED
Minimum of 3.5% Down
30 YEAR FIXED
100% VA Loan With No Private Mortgage Insurance
30 YEAR FIXED
100% Financing In Rural Areas
First-Time Home Buyer in Adkins, Texas
For a First Time Home Buyer Adkins offers a wide range of housing choices to fit any pocketbook. Home ownership is the American dream but finding the right home in the right neighborhood at the right price can be a challenge. And then, you need to get financing with a mortgage rate that does not eat up all of your paychecks. Luckily, if are worried about the down payment as a First Time Home Buyer Adkins offers ways to make it work for you.
Adkins First Time Home Buyer Programs
There are programs in the Adkins area to help First Time Home Buyers. The first to consider is HCDD which is Adkins Housing and Community Development Department. This program offers assistance via HAP, the Home-buyer Assistance Program in Adkins. It helps families in the low and middle-income range. For those who qualify, monies can be used for the down payment, buy-down on principal, or closing costs.
Housing and Community Development Department of Adkins HAP Program
For US citizens and permanent US residents, the HAP program can help if you are a First Time Home Buyer or have not been a homeowner for at least three years. Also, to qualify the family must not have more than $15,000 in total assets. Only fixed rate mortgages qualify for this program. Folks can get as much as $30,000 from this program if they meet the qualifications such as falling below the 80% level of median income in the Adkins area and buying a home that lies within the City of Adkins for tax purposes.
Affordable Housing Corporation of the State of Texas
Also, for a First Time Home Buyer Adkins has a non-profit organization that can help out. It is TASHA or the Texas State Affordable Housing Corporation. These folks have the mission of serving low-income families and individuals by helping them get into affordable and decent housing. They commonly come into the picture when other agencies cannot help.
Using private donations, TSAHC provides help with down payments, mortgage loans, and mortgage credit certificates. Their Homes for Texas Heroes Loan Program is especially for veterans, EMS workers, teachers, firefighters, correctional workers, and police. And, their Homes Sweet Texas Home Loan Program provides a 30 year fixed rate loan for eligible Adkins home buyers. This is a grant, so the family does not need to pay it back.
Free Homebuyer Education Classes in Adkins
Perhaps the most important thing for a First Time Home Buyer in Adkins is to their homework. An excellent idea is to take advantage of one of the classes for home buyers in the Adkins area. Learn about how large of a mortgage you should take on with your salary. Learn about the various assistance programs that make home ownership possible for those who otherwise could not afford their own home. Do your homework first. Look into financing before even looking at property. That is a good route to take for a First Time Home Buyer in Adkins or anywhere.
Best Mortgage Rates in Adkins, Texas
- 1st – Preliminary Assessment – Let’s see how much you qualify for.
- 2nd – Appraisal Report – Let’s find out the value.
- 3rd – Approval and Closing – We can close your file in 30 days or less!
- See exactly how much you can qualify for instantly!
- Work with our award-winning team of local Loan Specialists.
- Let us help you close your loan in 30 days or less.
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We just wanted to say thanks again for all your help with everything. We closed and are now proud homeowners! The title company… View more »
The Professional Private Lending Company For First Time Home Buyer In Adkins, Texas
Prodigy Lending team is a good renown private lending company with professionals all over the U.S. we are aimed at giving quality services to our clients all over the states putting into consideration the first time home buyer programs near you. We will ensure that the mortgage loan comes with the best rates. Through the experience we have accumulated over the years, we are going to serve you to your satisfaction considering your financial situation and expectation. We have a goal of having a good relationship with all our customers for many years to come. Therefore excellence is our strategy.
We are going to help you in all areas including first time home buyers with bad credit, debt consolidation, dream home or even a vacation home. This comes with the lowest competitive rates. The cost of the loan will be very low whether it is a new home or a refinance. Your information will be kept safely so no one will expose it as many companies do. This has won us a lot of trust within the lending community.
Choose your mortgage loan now!
This loan is very easy to qualify and the down payment is low, which is 3.5 percent. Rehab loans are also available. The interest rates for FHA loans are low, a higher DTI is however needed.
2. Conventional Home Loan
These loans require a down payment of 3 percent. The PMI rates are reduced compared to FHA. The terms are flexible with no lender fees needed and the interest rates with approved scores are low.
3. VA Home Loans
They have 100 percent financing and no mortgage insurance needed. The closing costs are lower and the rates are the best for a government loan. They are offered to veterans and their families and they are easy to qualify.
4. USDA home loans
These loans are available for buyers in rural areas and you should have a regular source of income in order to qualify. They are 100 percent financed so there is no need for the down payment. They come with low-interest rates and require a low mortgage insurance cost.
We are happy to work with you. Come and talk to our professionals one on one or make use of the interactive tools on the website. Feel free to ask any question even if it’s about the first time home buyer program. We are aware of the changing trends in the market and to overcome this, we have a form in place for you to fill on our site, and the precise quote comes with the rates. We guarantee that our services will meet your expectations.
We are the proud winner of the top workplaces for 8 years and we are committed to excellence. It is such an honor for us to be recognized.
We have been running an award-winning service for 17 years and we request you to start the pre-qualification process now.
Please contact us if you have any questions!