Professional Mortgage Loan Company, Mortgage Lending & First Time Home Buyer Consultant In Dallas, 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 11/14/2019 and subject to change without notice."

First-Time Home Buyer in Dallas, Texas

For a first time home buyer Dallas 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 Dallas offers ways to make it work for you.

Dallas First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

Also, for a first time home buyer Dallas 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 Dallas home buyers. This is a grant, so the family does not need to pay it back.

Free Homebuyer Education Classes in Dallas

Perhaps the most important thing for a first time home buyer in Dallas is to their homework. An excellent idea is to take advantage of one of the classes for home buyers in the Dallas 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 Dallas or anywhere.

Best Mortgage Rates in Dallas 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

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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 Highly-Experienced Prodigy Lending Company In Dallas, Texas

 

About us

Prodigy Company consists of a mortgage lending team that give high-quality services to its clients. The company is located in United States. Any client with mortgage needs can find us anywhere in the U S. We offer various mortgage programs that one can access through our professionals. They will furthermore give you the information in line with mortgaging. It doesn’t matter whether you are a first time home buyer, refinancing a mortgage or consolidating debt. Here you will be served with the lowest rates possible.

Here is your preferred mortgage loan

CONVENTIONAL LOAN 

This mortgage type will offer you low-interest rates with approved scores. Compared with the FHA loan, conventional loan’s PMI is low. You will also get a low down payment of 3% with flexible loan payment terms that range from 10 to 30 years. Remember this, you don’t have to pay a lender fee.

FHA HOME LOAN

You can qualify with much ease to get an FHA loan. All you do is make down payment of 3.5%,  and have a higher debt to income ratio. This loan type has the best rates. Rehab loans can be accessed here.

VA HOME LOANS 

This type of loan is for veterans. Anyone going for a government loan will get the best rates, Get 100% financing with no mortgage insurance. It’s closing rates are low and one can easily qualify.

USDA HOME LOAN

For a USDA loan, you need not make a down payment and its mortgage costs insurance is so low. However, anyone will get a low-interest rate for 100% loan taken. To get this loan, one should qualify in his/her income have a preferred home location.

We aim at maintaining a good relationship with our clients and also provide them with the best services. We are promising our clients to secure personal information that they have entrusted with us. Bear in mind that you are dealing with the most reliable lending company that is well known in the entire lending community.

If you could be in need of personal assistance with one of our professionals, we will be a call away. 

THE PRODIGY TEAM HAS BEEN IN SERVICE FOR 17 YEARS! GET STARTED WITH YOUR PRE- APPROVED PROCESS THIS INSTANCE

The Prodigy lending home loans is proud of being awarded as the Top workplaces for the past eight years. We are therefore honored for having such a recognition.

Find the most competitive rates on your home loan

We give the lowest rates with our available mortgages. This applies to both first time buyers s well as the ones refinancing. 

We are recognized as the best mortgage lenders in the United States. We are sure that our home loan program will give you the best mortgage option that will be of interest.

If you want to buy a new home or refinance a mortgage, just bear in mind that we offer loans basing on the current market condition. You are thus required to fill a short form. 

Contact us via our open websites at any time of the day.

 

 

 

 

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