Expert of Conventional Loan, USDA Home Loan & FHA Home Loans In Lytle, 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 Lytle Texas

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

Lytle First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Lytle

Perhaps the most important thing for a First Time Home Buyer in Lytle is to their homework. An excellent idea is to take advantage of one of the classes for home buyers in the Lytle 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 Lytle, 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 Educated Prodigy Lending Assistance For First Time Home Buyer In Lytle, Texas

 

Prodigy Lending welcomes you to the first time home buyer program among others. 

We are the proud winners of the top workplaces for 8 years in a row and we feel honored to get such a big recognition.

We have come on top through hard work and our dedicated services from our experienced professionals all over the states.

We are rated as one of the best private companies in the lending community and this originates from our excellence.

We encourage you to get your first time home buyer incentives by joining our program

The mortgage home loans available are;

Conventional Home Loans which have a reduced down payment of 3 percent, reduced PMI compared to FHA loans, flexible terms starting from 10 up to 30 years. For those with approved credit scores, there is low-interest rate and no lender fees needed

FHA Home Loans are also low on down payments of 3.5 percent and are easy to qualify for. The interest rates are attractive and rehabilitation loans are available. The limit is that they require a higher DTI ratio.

VA Home Loans are for veterans and their families. They are easy to qualify and have the best rates for a government loan. They are 100 percent financed and no mortgage insurance is needed. To crown it all, their closing costs are low.

USDA Home Loans require no down payment because they are 100 percent financed. They offer low-interest rates and have low mortgage insurance costs. They have a limit however, of home location which has to be in the rural areas and one must be having a constant flow of income as well.

We ensure confidentiality, unlike other companies your personal information will not be displayed anywhere. This is one of the reasons we are trusted in the lending community.

We will guide you on how to consolidate your debt, buy your dream home or vacation home, convert your property into equity, refinance your existing mortgage loan or even how to be a first time home buyer with bad credit. 

We use other methods to qualify you for the loan like looking at your bank account and retirement account, liquid assets, and other properties owned. 

We will give you the best competitive rates on your home loan, with the lowest costs involved.

We are conversant with the changing market conditions and so there is a form available for you to know the exact prices at the moment because they change every now and then. 

After submitting the form, a quote will be made.

We guarantee that our services will take you to the next level and your expectations will definitely be met.

Talk to our experts on one or utilize our interactive gadgets on our site for inquiries or questions. We are honored to work with you.

We have been providing award-winning service for more than 17 years. Feel free to start with the pre-qualification process now. 

Please contact us if you have any questions!

 

 

 

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