Knowledgeable First Time Home Buyer Assistance, FHA Home Loan & Home Buyer Programs In San Antonio, TX

Conventional Rates

4.125 %

4.210 %APR


Low Fixed Rates For 30 Years

FHA Rates

3.625 %

3.798 %APR


Minimum of 3.5% Down

VA Rates

3.625 %

3.721 %APR


100% VA Loan With No Private Mortgage Insurance

USDA Rates

3.875 %

4.101 %APR


100% Financing In Rural Areas

"Rates, terms, and fees as of 06/03/2020 and subject to change without notice."

First-Time Home Buyer in San Antonio, Texas

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

San Antonio First Time Home Buyer Programs

There are programs in the San Antonio area to help First Time Home Buyers. The first to consider is HCDD which is San Antonio’s 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 San Antonio 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 San Antonio area and buying a home that lies within the City of San Antonio for tax purposes.

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in San Antonio

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

Best Mortgage Rates in San Antonio 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 Qualified Lending Company For The First Time Home Buyer In San Antonio, Texas


Prodigy Lending team is made up of mortgage professionals available all over the U.S.  Provision of the highest quality mortgage services to our clients is our goal. In addition, we offer the lowest rates and many lending programs in your area. Our team of experienced professionals will assist you to find the right mortgage for your first time home at your preferred location. We delight in serving our clients and ensuring that they find the right mortgage regardless of the type of home whether it’s their dream home, first time home loan, getting home equity or debt consolidation.

We will assist you to apply for the most suitable mortgage loan type from the list below;


  • Low down payments of just 3% of the mortgage loan
  • Lower PMI compared to FHA loans
  • Flexibility in terms
  • Low-interest rates for high credit score.
  • No fees charged


  • Full amount financing for veterans
  • Insurance is not necessary
  • Lower closing costs
  • Easy qualification 
  • Government rates offered


  • Down payment of 3.5 percent
  • Easy to qualify
  • Low-interest rates
  • Home rehab loans are offered
  • Higher DTI needed


  • Full amount financing
  • Low rates with no down payment
  • Mortgage insurance cost is low
  • Low-interest rates
  • One must have a regular source of income and house location matters.

Creating a good relationship with our clients is our aim and we look forward to being your service provider for as long as you are in need. We consider confidentiality and all your information will be kept safe from the public, unlike many lending companies. We have a good reputation all over the U.S.A.

Our team is delighted to talk to our clients and they would answer all sorts of questions you may have. Do so through our chatbox on the site or by calling the office number on our website. We will be glad to serve you. 

Find the best rates on your mortgage by choosing the best First Time Home Buyers program. We are the best for purchase and refinancing and our rates are the lowest around. We are proud to be rated as one of the best private lending companies in America. We guarantee you that you will find the best offer that fits your interests and match with your income. 

Whether you want to finance a new home or refinance an old mortgage, you have the solution. We calculate the mortgage based on today’s market conditions. There are market fluctuations every now and then so the answer is right here. We give instant quotes that have all that factored in so you will get the accurate figures. Fill out a form and in a few seconds, you have your quote.

We have been providing awards to our customers for 17 years so feel free to utilize our services. You can be approved now. 

For eight years consecutively, we have been awarded as the top workplaces. Commitment to providing excellent services to our clients is our goal and we feel honored to receive such a big recognition. 

Please contact us if you have any questions!




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