Competitive First Time Home Buyer Assistance, Conventional Home Loan & VA Home Loan In Cibolo, TX

Conventional Rates

4.125 %

4.210 %APR

30 YEAR FIXED

Low Fixed Rates For 30 Years

FHA Rates

3.625 %

3.798 %APR

30 YEAR FIXED

Minimum of 3.5% Down

VA Rates

3.625 %

3.721 %APR

30 YEAR FIXED

100% VA Loan With No Private Mortgage Insurance

USDA Rates

3.875 %

4.101 %APR

30 YEAR FIXED

100% Financing In Rural Areas

"Rates, terms, and fees as of 11/15/2019 and subject to change without notice."

First-Time Home Buyer in Cibolo, Texas

For a First Time Home Buyer Cibolo 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 Cibolo offers ways to make it work for you.

Cibolo First Time Home Buyer Programs

There are programs in the Cibolo area to help First Time Home Buyers. The first to consider is HCDD which is Cibolo’s Housing and Community Development Department. This program offers assistance via HAP, the Home-buyer Assistance Program in Cibolo. 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 Cibolo 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 Cibolo area and buying a home that lies within the City of Cibolo for tax purposes.

Affordable Housing Corporation of the State of Texas

Also, for a First Time Home Buyer Cibolo 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 Cibolo home buyers. This is a grant, so the family does not need to pay it back.

Free Homebuyer Education Classes in Cibolo

Perhaps the most important thing for a First Time Home Buyer in Cibolo is to their homework. An excellent idea is to take advantage of one of the classes for home buyers in the Cibolo 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 Cibolo or anywhere.

Best Mortgage Rates in Cibolo, Texas

Stop dealing with multiple lenders. We have the best Texas Mortgage Loan Rates here. We have loan specialists and loan processors that streamline the lending process. It is as easy as 1, 2, 3!
  • 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!

How much can you qualify for?
Right here and now you can find out how much you qualify for in 10 minutes 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.
“I was worried about loan process time and approvals, but everything was explained to me with professionalism and ease.” – Ericka L. – 2015
husband and wife using Spring Texas Mortgage Lender to buy a house

daily mortgage news courtesy of the texas mortgage pros
Home Mortgage Rates
Get up-to-date information on mortgage and real estate news including mortgage rates, processing, and refinancing.
  • Latest U.S. Mortgage News
  • Mortgage Rates are Updated Daily
  • Complete Consumer Mortgage News

Getting Prequalified just got a lot easier
In just a few minutes you can lock in your mortgage rate right now!
  • We provide the lowest, most current mortgage rates available.
  • Work with the BEST lending company in the Greater Houston Area.
  • Discover simple, affordable, and effective tools to help you secure a mortgage.
“I just wanted to say thank you for your help walking me through the process of purchasing my home. I closed today and everything was great. I really appreciate your work and effort in informing me about the process and helping me become a first-time homeowner.” – Will W. Client – 2015
Man using the best mortgage lender in houston texas

Real Clients. Real Stories. Real Results.

Our goal is to provide you with the best customer service possible.

  • home loans by The Texas Mortgage Pros
    Aldin A.

    Highly recommendable! I worked with Gerry Nicodemus for refinancing my home. Gerry was a thorough professional …View more »

  • apply for loans by The Texas Mortgage Pros
    Shareem W.

    Mr. Nicodemus is truly one of the best in the mortgage industry. He is well versed and extremely knowledgeable regarding… View more »

  • apply for a mortgage with The Texas Mortgage Pros
    Javier P.

    Mr. Nicodemus is someone to trust, I had the pleasure to meet him. He is great as a Consultant and as a person that really … View more »

  • Texas Mortgage home loan programs
    Kyle B.

    As a Real Estate Broker, I know nothing impacts a buyer’s transaction more than the loan process. I recently closed a very difficult… View more »

  •  Top Mortgage Lender in Texas
    Christina & Aaron F.

    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 Highly-Qualified Prodigy Lending Company For Home Loan In Cibolo, Texas

 

Prodigy Lending is very keen on offering high-quality lending services. We are known for assisting first time home buyers with bad credit. Our goal is to have happy clients and because of this, we work hard towards excellence. We have a team of highly qualified professionals who will take you through the whole process advising you on the best financial decisions to make. We consider getting the best rates for our clients and in order to do so, we have to make sure that we get the best program for you. Our team has a wide experience in the field so all the tricks are known to us and the changing market trends. 

Your expectations will be met in that, we will first listen to you and then advice you according to your preferences. If you have spotted a home in a certain neighborhood that you would like to occupy, we will look for the program which will finance the home. As we do so, we will consider the rates and a lower first time home loan down payment. 

We are looking forward to serving you for many years and that’s why our clients’ needs come first. We are trusted for ensuring confidentiality. Some companies expose people’s information but we strictly don’t. We will find the most competitive rates on your home loan, and choose the best for you.  The cost of the loan will definitely be at its lowest. The quality of our services is guaranteed. 

You can also reduce the mortgage of your existing loan by refinancing through us. We are aware of the market conditions which are not so constant. We are conversant with every trick that helps to get things to work out well. Due to the fluctuations in the market, we have a form that you need to fill and get a quote from our site. Choose a mortgage now!

Conventional Home Mortgage

  • Flexible terms
  • 3 percent down payment
  • Reduced PMI.
  • Low-interest rates
  • No lender fees

FHA Home Mortgage

  • 3 percent down payment
  • Easy to qualify
  • Attractive interest rates.
  • Rehabilitation loans available
  • Higher DTI rates

VA Home Mortgages

  • Full amount financing provided
  • No insurance needed
  • Lower closing costs
  • Easy to qualify for.
  • Best rates are offered

USDA Home Mortgage

  • Full amount financing done
  • No down payment needed
  • Low-interest rates
  • Low mortgage insurance costs
  • Must qualify for location and income.

Call us or utilize the communication tools on our site so as to get more information and get answers to your questions. We will tell you about the first time home buyer’s incentives. We are delighted to work with you.

We have been awarded 8 times consecutively for the top workplaces and we feel honored.

We have been running an award-winning service for the past 17 years; feel free to try the pre-approval process today. 

Please contact us if you have any questions!

 

 

 

Mortgage Lenders In San Antonio Texas Catering To FHA Loans And First Time Home Buyer Programs