Qualified FHA Home Loan, USDA Home Loan & First Time Home Buyer Assistance In Hutchins, 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 Hutchins, Texas

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

Hutchins First Time Home Buyer Programs

There are programs in the Hutchins 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 Hutchins 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 Hutchins 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 Hutchins 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 Hutchins home buyers. This is a grant, so the family does not need to pay it back.

Free Homebuyer Education Classes in Hutchins

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

Best Mortgage Rates in Hutchins 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 Professional Lending Company In Hutchins, Texas

 

There are several mortgage companies in the United States. But Prodigy is an outstanding one. For home loan mortgages, you can find us in any state of the U S. Our team consists of experienced professionals who will serve you to your satisfaction. We offer multiple loan programs with low-interest rates. For all first time home buyers, try to locate us and we will be at your service.

Read this to find the best mortgage loan   

With this type, you will be expected to make a down payment of 3%, the interest rates are also low. In addition, your scores will be approved. Conventional loan’s PMI is low compared to that of F H A. You don’t have to rush on repaying the loan since its duration is long which gives you space. The term is between 10 to 30 years. As if that is not enough, you have no lender fee to pay.

FHA HOME LOAN

To get this loan, you need to qualify by having a high debt to income ratio. You will then a down payment of 3.5% of the suggested amount. Remember that here, you are entitled to the best interest rates and rehab loans can be accessed. Its qualifications are so simple.

VA HOME LOAN

A veteran mortgage loan is Government-sponsored. One can easily qualify for this loan as it has no mortgage insurance, it’s closing costs are affordable. Its financing is 100%. 

USDA HOME LOAN

Did you know that there is no down payment for this kind of loan? It also has 100%  financing! Well, thought you should know. For a 100% loan, one gets a low-interest rate as well as a low mortgage insurance cost. Although you ought to have a suitable income and your home location is also considered.

Our goal is to create a good relationship with our buyers. This way, our clients will continually enjoy our excellent services for a longer time. We guard well, your personal information. We are furthermore highly esteemed by our counterpart lender companies. 

You can always get access to our professional team members for more consultation on any issue regarding the mortgage services. You might go to them personally or communicate via our websites to be assisted. Our aim is to work with you.

FOR MORE THAN 17 YEARS, THE PRODIGY TEAM HAS PROVIDED AWARD-WINNING SERVICES

As one of the top workplaces, the prodigy team has been highly honored with much recognition in the United States. With us you can find the most competitive home loan rates. We also offer various low-cost mortgage loans for both purchase and refinancing.

We being the best private mortgage lenders in the U S A, we strive to provide our clients with their right mortgage option. The current market condition dictates the mortgage rate that can be offered to you. To apply for the loan, fill out a quick form.

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

 

 

 

 

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