Effective First Home Buyer Assistance, FHA Home Loans & Conventional Home Loans Assistance In Macdona, 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 Macdona, Texas

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

Macdona First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Macdona

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

Best Mortgage Rates in Macdona 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
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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 Ambitious Private Lending Companies For Your Home Loans In Macdona, Texas

 

As a prodigy team, we are proud to be termed as one of the best private lending companies around. We have the best professionals with a wide experience in the lending field. We are known for giving quality services as we work towards our goal creating a good relationship with our clients now and in the future. Our team will ensure that you get the best program with low rates. Your own preferences will be prioritized so as to help you get a mortgage in the site of your choice and that your expectations are met. First Time Home Buyer down payment assistance, second home, vocational home, and loan refinancing are all catered for. 

Excellent services and proper documentation is our priority. We are discreet, unlike some companies which don’t value keeping people’s information safely. In the lending community, we are trusted for this. None of your personal details will be shared anywhere. We will find competitive rates for your mortgage. Mortgage costs are going to be as low as possible on a first time home program or refinancing. Grants for First Time Home Buyers are available. We guarantee that you will enjoy our services. There is a variety of loan types to choose from and this will be done based on the requirements. 

Conventional Home Loans are available and they have the advantage of being low on down payments, reduced PMI compared to FHA, flexible terms, low-interest rates with approved scores and lastly, no lender fees charged. 

FHA Home Loans are offered with a 3.5 percent down payment, they are easy to qualify for, and the interest rates are relatively low, rehabilitation loans are financed too but for one to qualify for these loans, a high DTI ratio is needed.

VA Home Loans are given to veteran officers and they are fully financed mortgages requiring no mortgage insurance, the closing costs are lower, are easy to qualify for and the best rates are offered.

USDA Home Loans are 100 percent financed, they require no down payment, the interest rates are low, they have low mortgage insurance costs but they are limited in location and one must be earning a good salary. 

We are honored to work with you. For any questions about the First Time Home Loans or any other topic and for booking appointments, call us or use any other mode of communication from our website. Our team of experts is ready to attend to you on the chatbox on our site. Feel free to inquire on anything. We have provided a form for you to fill and get a quote on the pricing because the market conditions keep on fluctuating.

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We value excellence and have been awarded as one of the top workplaces for the past 8 years. We are highly honored to be recognized as such.

Please contact us if you have any questions!

 

 

 

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