Highly-Experienced Mortgage Company & First Time Home Buyer Assistance In Saint Hedwig, 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 Saint Hedwig, Texas

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

Saint Hedwig First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Saint Hedwig

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

 

Here at Prodigy Lending, you will obtain the best mortgage services. Serving our clients in the best possible way is our goal. 

Our team of experienced professionals will guide you on how to make the right choice about the various first time home buyer programs available.

First and foremost, take a look at the available loan types;

  • Conventional Home Loans are offered with a 3 percent down payment which is low compared to other types of loans. It requires a low PMI compared to FHA loan. The loan terms are flexible while the interest rates are low as well for people with approved scores. Finally, there are no lender fees needed.
  • VA Home Loans are designed for veteran officers and their families. They are easy to qualify for and they are fully financed so no down payment needed. The closing costs are lower and the rates are very good.
  • FHA Home Loans are easy to qualify for and the down payment amount needed is 3.5 percent. They have relatively low-interest rates and rehabilitation loans are also available. However, they require a higher DTI ratio.
  • USDA Home Loans are fully financed and therefore no down payment needed. They offer a low-interest rate and a low mortgage insurance cost. The disadvantage is that they have a location limitation to the rural areas and a regular source of income is needed. 

You can call at any time to make inquiries about anything, or make use of our interactive tools for communication. Our services are 24 hours 7 days a week. We are honored to work with you.

We have a team of professionals all over USA and they will give you the best services as well as identifying the best program obtained within your area.  We will ensure that you get the best rates for your mortgage as well as the lowest loan costs.

Our many years of service in the field have made us have wide knowledge about the market conditions and we are able to apply various tricks to make you get what you want regardless of whether you are a first time home buyer with bad credit. This will be approached from a different point of view and bank account balances and retirement account balances, liquid assets and other properties can make you qualify.

The program which fits into your situation and expectation will be chosen for you and you do not need to worry about getting any more information because we have everything. We will make sure that your information is kept confidentially unlike most companies that do not protect their clients.

Get your quote now by filling in a form to know the precise amount instantly because the market conditions keep on changing every other time. We have been awarded the top workplaces for 8 years now in a row. 

For 17 years, we have been running an award-winning service and you are encouraged to grab the opportunity and get yourself pre-approved.

Please contact us if you have any questions!

 

 

 

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