Expert For Conventional Home Loan, VA Home Loan & FHA Home Loan In Universal City, 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 Universal City, Texas

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

Universal City First Time Home Buyer Programs

There are programs in the Universal City area to help First Time Home Buyers. The first to consider is HCDD which is Universal City Housing and Community Development Department. This program offers assistance via HAP, the Home-buyer Assistance Program in Universal City. 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 Universal City 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 Universal City 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 Universal City 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 Universal City home buyers. This is a grant, so the family does not need to pay it back.

Free Homebuyer Education Classes in Universal City

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

Best Mortgage Rates in Universal City 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 Highly-Experienced Private Lending Companies In Universal City, Texas

The Prodigy Lending Team is one of the best private lending companies in USA. We have the best-experienced professionals in mortgage lending. Our team is very welcoming and knowledgeable in the area of choosing the best loan type for you. Our goal is to give you the assistance you need even if you are a First Time Home Buyer. We will choose the best program for you with the best rates. Our team consists of experienced people in the field and they are able to factor your own needs like site and expectations. You will be able to get the mortgage for that dream home, vacation home, or do a consolidation of debt or get equity from your home. This will be obtained through the most suitable program according to your qualifications.

We intend to have lasting relationships with our clients for many years. That is why we give the best services. Confidentiality is very critical for us, unlike many companies whereby they can disclose personal information. For this reason, we are trusted in the lending community. 

Give us a call at any time, or use the email address given on the site or even chat with our team. We are happy to work with you as we serve you in the best way. We promise to look for competitive rates as well as first buyer incentives for your mortgage. We help get low-cost loans for both purchases and refinance to a lower mortgage. We guarantee that you will be happy. The market conditions are not constant and due to this, the rates keep on changing but we will have you receiving a quote in a few seconds after filling in a form and submitting on the site. 

The following are the available mortgage loans to choose from;

CONVENTIONAL HOME LOANS

They require only 3 percent down payment, they have a low PMI, the terms are flexible in duration, low-interest rates with approved scores and lender fees are not charged. 

FHA HOME LOANS

They require 3.5 percent down payments, are easy to qualify for, the interest rates are low and they offer rehab loans. However, they require a higher DTI ratio.

VA HOME LOANS

They are meant for veterans and their families. They do 100 percent financing to qualifiers, no mortgage insurance needed, the closing costs are low, they are easy to qualify for and they have the best rates for a government loan.

USDA HOME LOANS

They offer 100 percent financing, interest rates are low, no down payment required and mortgage insurance costs are low. The disadvantage is one must have a good source of income and the home location is limited to the rural areas.

For 17 years now, we have been providing award-winning services. Feel free to get pre-approved today. 

We have also been on the top workplaces award for 8 years in a row. We feel honored to receive such recognition and we are committed to excellence.

Please contact us if you have any questions!

 

 

 

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