Highly-Experienced Mortgage Company, First Time Home Buyer Assistance & Home Buyer Loans In La Coste, 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 La Coste, Texas

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

La Coste First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in La Coste

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

Best Mortgage Rates in La Coste 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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    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 »

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The Professional Prodigy Lending’s Home Mortgage Company In La Coste, Texas

 

We offer the following home loans at prodigy;

  1. Conventional Home Loans. These loans require 3 percent down payment, they have flexible terms, have low-interest rate with approved scores, have a lower PMI and require no lender fees.
  2. VA Home Loans. These loans are available for veterans serving the country as well as their families. They are 100 percent financed and require no mortgage insurance. The closing costs are lower and the loan itself is easy to qualify for. It offers the best government rates. 
  3. FHA Home Loan. These loans require a 3.5 down payment. They are easy to qualify for and interest rates are low, they have rehab loans available but they require a higher DTI ratio.
  4. USADA Home Loan is meant for rural development so the location matters a lot and one must be having a source of income. They are fully financed and therefore no down payment is required. The interest rates are low as well as mortgage insurance.

We are one of the best private lending companies in USA and our services are of high quality. This is because our professionals are experienced in the lending industry and have all the knowledge. We are going to guide you step by step on how to access that first time home buyer grants. We have knowledge about every home mortgage program and we will ensure that we fix you where you fit best according to your conditions and expectations. You will get the lowest rates and the cost of the whole mortgage will be very low because we know how to make adjustments until you get the lowest. 

Our many years of experience have made us know every trick in the market and we will make use of our knowledge for your benefit. Whether it is a first time home buyer loan, or debt consolidation, dream home or a vacation home you are buying, you are in the right p[lace. We would like to serve you to the best of our ability and have a good relationship with you for the years to come. You don’t need to worry about confidentiality because that’s one of the reasons why we are trusted in the lending community. None of your personal information will be shared anywhere like the way some companies do.

We guarantee you the best services ever and you will have the right mortgage with a low first time home buyer down payment. If it is refinancing, we will help you lower the rates of your existing mortgage. The fluctuations in the market are unpredictable and that’s why we have provided a form that you need to fill and submit on our site and get a precise quote.

Call us and talk to our team of experts or make use of the interactive tools on the site. We are happy to work with you.

We have been awarded the top workplaces for 8 years in a row and we feel honored to receive such recognition.

We have been running an award-winning service for 17 years and you are encouraged to try our pre-approval process today.

Please contact us if you have any questions!

 

 

 

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