Experienced USDA Home Loan Assistance, Mortgage Lender Company & First Time Home Buyer Assistance In Lavon, TX

Conventional Rates

4.125 %

4.210 %APR


Low Fixed Rates For 30 Years

FHA Rates

3.625 %

3.798 %APR


Minimum of 3.5% Down

VA Rates

3.625 %

3.721 %APR


100% VA Loan With No Private Mortgage Insurance

USDA Rates

3.875 %

4.101 %APR


100% Financing In Rural Areas

"Rates, terms, and fees as of 07/11/2020 and subject to change without notice."

First-Time Home Buyer in Lavon, Texas

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

Lavon First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Lavon

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

Best Mortgage Rates in Lavon 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 Proficient Prodigy Lending Company In Lavon, Texas


The Prodigy Lending Team has been providing award-winning mortgage services to home buyers for more than 17 years and is one of United States’ best private mortgage lending companies. It has also been voted among one of the top workplaces in the United States, and Prodigy mortgage professionals are committed to achieving utmost excellence in the workplace and to all its clients. This home loan center offers the lowest and most current mortgage rates available in the market, and these loans can help finance both new home purchases and old home refinancing. 

The Prodigy team is well established with experienced mortgage professionals, who work closely with clients on a one-on-one basis, to ensure that all their needs, as well as specifications,  are well met. There are multiple loan programs that are offered by Prodigy Lending Team, and have been made available to residents of all areas throughout the country, all having the lowest rates.  These home loans can be also be used in consolidating hefty debts or refinancing existing loans. The Prodigy loan officers, equipped with many years of experience, help clients to identify and choose the most efficient loan programs according to their given specifications, and at the lowest rates possible. The multiple mortgages offered include:

Conventional Home Loans Offer flexible terms of repayment, ranging from 10, 15, 20 or 30-year mortgages. They have low down payments of 3%, a reduced PMI compared to FHA loans and very low-interest rates with approved scores. Clients are not charged any lender fees.

FHA Home Loans Rehab loans are available with this loan. There are low down payments of 3.5% required, and the interest rates on FHA loans are very attractive, A higher debt to income ratio is required for one to qualify but otherwise, the qualifications for this loan are easy.

VA Home Loans – They are financed fully at 100%, and no mortgage insurance is required. The closing costs on VA loans are lower, and it is very easy to qualify for this loan. The rates offered by VA loans are better, unlike other government loans.

USDA Home Loans – With 100% financing, these USDA loans have a low rate, and require no down payment. The interest rates are low, as well as the mortgage insurance costs. Income and Home Location are needed for one to qualify for this loan.

Most mortgage programs that have been designed for first time home buyers are financed with block grants from the government’s Department of Housing and Urban Development. When offers are made on mortgages, a first time home buyer needs to have adequate resources to be able to fully cover the deposit, the cost of an appraisal, as well as the costs of a home inspection. However, this would not be the case if the first time home buyer is using a USDA or VA home loan.

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