Proficient Mortgage Company, First Time Home Buyer Assistance & VA Home Loan In Duncanville, 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 Duncanville, Texas

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

Duncanville First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

Also, for a first time home buyer Duncanville 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 Duncanville

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

Best Mortgage Rates in Duncanville 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 Duncanville, Texas

 

The Prodigy Lending team consists of mortgage skilled personnel all over the United States. We are committed to providing our customers especially the first time home buyers in Duncanville for the provision of the highest quality services for your mortgage desires. Together with the lowest rate and vast loan programs available in Duncanville our outstanding mortgage professionals with years of experience will work with you one on one to make sure that you get the home loan designed to meet your situation and expectation. Being a first time home buyer in Duncanville, purchasing your dream home, refinancing an existing loan or consolidating debt, our highly experienced team of loan officers helps in getting the right loan program. 

FIND THE RIGHT MORTGAGE LOAN FOR YOU. 

CONVENTIONAL HOME LOANS 

Requires a 3% down payment with a reduced PMI in comparison to FHA loans. It has flexible terms 30, 20, 15 or 10-year mortgage. A first time home buyer in Duncanville will only require low-interest rates with approved scores. There are no lender fees required. 

FHA HOME LOAN 

Requires 3.5% down payment with very easy qualifications r it is very easy qualifications required to apply for this loan in Duncanville. It has attractive interest rates and rehab loans are also available. Any first time home buyer applying for this loan in Duncanville should have a high debt to income to qualify.

VA HOME LOANS

Provides 100% financing for veteran administrates (VA’s). A borrower requires a very low closing cost. It is easy for any first time home buyer to apply for this loan program. It has the best rates as far as the government loan is concerned because of the provision of incentive to many first time home buyers.

USDA HOME LOAN 

This program is good at giving 100% financing for loans. This program also provides a first time home buyer assistance in Duncanville by giving low rates with no down payment. It provides low-interest rates for 100% loans and low mortgage insurance costs. An applicant must qualify for income and home location. 

Our ultimate vision is to create a lasting unity with each of our clients that we may continue to provide outstanding services for the next years to come. Unlike many of the big national wide home companies that are out there, any applicant’s information will be safely and privately kept. 

You can contact us through the provided interactive tools on our site. We are looking forward to doing business with you. 

Prodigy Lending loan is proud to have been granted award as a Top Work Place for the past eight years. We are dedicated to excellence in the workplace and honored to have received such recognition. 

We are grants to the first time home buyers in Duncanville with the lowest, most current mortgage rates in the United States.

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

 

 

 

 

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