Knowledgeable First Time Home Buyer Assistance, Conventional Home Loans & Home Buyer Loan Assistance In Helotes, 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 Helotes, Texas

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

Helotes First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Helotes

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

Best Mortgage Rates in Helotes 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

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“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
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The Qualified Lending Company For Mortgage Loan In Helotes, Texas

 

We offer mortgage services and solutions to our clients at Prodigy Lending. We are among the leading private companies with a good reputation and impression in the U.S. Our team comprises of highly experienced mortgage professionals who will serve you to your satisfaction.

The provision of quality services is our main goal and we will make sure that you get the right program which will enable you to have a smooth transaction. We will ensure that you are offered the lowest interest rates in whichever program you choose. 

Many years of experience have made our team be equipped with knowledge about the market trends and the pros and cons of each mortgage loan. We will listen to your expectations and help you with getting the right program which will be able to finance a home in the site of your choice. 

Whether it’s your first home buying assistance, refinancing an existing loan, debt consolidation or buying a vacation home, we are here to serve you.

Our clients are our focus and we have the goal of having the best relationship with them for many years to come and we achieve this by giving out excellent services.

We will keep all your information safely and no one will be able to access it. We value confidentiality unlike many companies which display people’s personal information online

This is one of the reasons why we are trusted and we would like to treat you in the same way. We will help you get the most competitive rates through the first time home buyer grants. The costs or the mortgage are low as well for both financing and refinancing. 

We guarantee that you will like our services for we are regarded as one of the best in the U.S. If you would like to lower mortgage by refinancing then we will assist you to do so.

You can choose the mortgage type you would like to have.

Conventional Home Loans are available with 3 percent down payment, reduced PMI, flexible terms, low-interest rates as long as the scores are good, and no lender fees.

FHA Home Loans have 3.5 percent down payment, are easy to qualify for, attractive interest rates, rehabilitation loans are also available under these types of loans.  However, there is a disadvantage of higher DTI needed.

VA Home Loans offer 100 percent financing, there is no mortgage insurance, the closing costs are lower, they are easy to qualify for and they offer the best rates.

USDA Home Loans give 100 percent financing, they require no down payment, and interest rates are low and mortgage insurance costs are low. 

They have a limitation of location and one must have a flow of income. Feel free to talk to us over the phone or on the site through the interaction tools available.

Due to the market conditions, the rates fluctuate a lot but we can get you a quote on the site by filling a form. We have been providing award-winning services for 17 years so welcome and get pre-approved now. For 8 years we have been awarded the top work places.

Please contact us if you have any questions!

 

 

 

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