Ambitious Mortgage Company, First Time Home buyer Consultant & Mortgage Lender Assistance In Irving, 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 Irving, Texas

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

Irving First Time Home Buyer Programs

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

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

Best Mortgage Rates in Irving 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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Real Clients. Real Stories. Real Results.

Our goal is to provide you with the best customer service possible.

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    Highly recommendable! I worked with Gerry Nicodemus for refinancing my home. Gerry was a thorough professional …View more »

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    Shareem W.

    Mr. Nicodemus is truly one of the best in the mortgage industry. He is well versed and extremely knowledgeable regarding… View more »

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    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 »

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    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 »

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    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 Prodigy Lending Company In Irving, Texas

 

YOU FINALLY HAVE YOUR MOST PREFERED MORTGAGE

You could be worried about finding the best mortgage lender because of your bad credit. Worry no more since Prodigy mortgage lending company is here to give you a hand. At prodigy, we offer quality lending services through our experienced professionals. These high respect group will find you a mortgage loan that will perfectly suit your situation. Our mortgage rates are amazingly low. Furthermore, we provide various mortgage programs, so you will always “the one for you”. We can be located everywhere in the United States.

Below is a list of our mortgage types. Find the one that suits you best.

CONVENTIONAL HOME LOAN

It offers low-interest payment with a down payment of 3%. You are also assured of approved scores. It provides long loan repayment terms of 10, 15, 20 and 30 years. It has a reduced PM I with excluded lender fees.

FHA HOME LOAN 

All you may need to get access to this loan is;

  1. Qualify by having a high debt to income ratio
  2.  Make a down payment of 3.5%

After that, the loan is all is already with you. You can agree that its qualification terms are so easy. In like manner, its interest rates are favorable and one can find the Rehab loan here. 

THE VETERAN AFFAIRS HOME LOAN

This loan gives you full financing that does not involve mortgage insurance. It has the best rates for every Government-sponsored loan with low closing rates thus making it easy to qualify for it.

USDA HOME LOANS 

This one requires no single penny as a down payment. It provides you with low mortgage insurance rates as well as interest rates for every full loan. Here you will enjoy 100% financing. Just get this by having a good income and a better home location.

Our main objective as a team is to create and maintain good relationship with our clients from now on. Since our reputation is at stake, we ensure privacy for your details. Moreover, you don’t have to worry about how to find us since our professional lenders can be accessed anytime time and at a personal level. For more interaction with us, you can access our tools on our site. We are ready to work with you and give you an opportunity to discover how excellent our services are.

THE PRODIGY LENDING TEAM HAS PROVIDED SERVICES THAT HAVE BEEN RECOGNISED THROUGH AWARDING FOR MORE THAN 17 YEARS NOW.

We are privileged for being among the top workplaces in the United States.  We have domineered in excellence in this position for eight years. With us you can find the lowest and most current mortgage rates. We also offer purchase and refinancing loan mortgages at low cost.

Being recognized as the best private mortgage lender in the United States, we, therefore, assure our clients the best home loan program that best suits you. Our mortgages are always based on the current market condition.

To access our services, simply start by filling a short form that will be provided. And just that will set you going. 

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

 

 

 

 

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