Knowledgeable First Time Home Buyer Consultant, Mortgage Company & Home Loan In Garland, 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 Garland, Texas

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

Garland First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Garland

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

Best Mortgage Rates in Garland 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 Highly-Experienced Prodigy Lending Company In Garland, Texas

 

Are you in search of the best mortgage loan lender in 2019? Prodigy Lending team is at your service. Our lending team is consists of professionals that will serve you excellently. Through them, you can get access to different loan programs with low-interest rates. For anyone in need of a loan can visit the prodigy offices that can be found all over in the United States. 

FHA HOME LOAN

Qualify easily for an FHA loan by making a down payment of 3.5% and receive your desired interest rates. You also need a high debt to income ratio to qualify. If you need a Rehab loan, consult with us.

CONVENTIONAL HOME LOAN

The conventional type has good chances to grab. You should thus expect to get low-interest rates, a 3% percent down payment, a reduced PM I with flexible payment rate terms of 10 to 30 years and lastly you should be informed that the lender fees, is not needed from your pocket.

VA HOME LOANS

The V A financing is 100%. Mortgage insurance is not required of you and again, Applicants can easily qualify to get one. Given that it is Government-sponsored, you will expect to find the best rates ever. 

USDA HOME LOAN 

Gives borrowers low rates with no down payment its financing is also 100% and offers a low mortgage insurance cost. Rates said to be 100% will definitely low-interest rates. You will only qualify for this loan if you have a good income together with a desirable home location.

 We as the Prodigy team would like to start and maintain good relations with anyone who comes for our services. We hope to provide the best mortgage one can ever think of to all our clients. About your personal information relayed to us, you can be sure that it is safe with us. We have a good reputation all over the USA and within our lender community

Fear not on contacting us. Keep in mind that our professionals will be there to attend to you whenever. You are also free to contact them personally or even use our site.

WITH 17 YEARS OF SERVICE, PRODIGY HAS RECEIVED AWARDS FOR THEIR BEST PERFORMANCE.

Prodigy will always offer you the most competitive rates that there is all over our American continent. Most of all, the company has always stood out to be the best private mortgage lender in the States. We offer competitive mortgage rates that depending on the market’s condition. Finally, if you want to buy or refinance a mortgage, our rates are always low. Just get a form and fill it then, there, we will be at our service. 

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

 

 

 

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