Ambitious Mortgage Lender Consultants, First Time Home Buyer Assistance & Mortgage Company In Lewisville, 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 Lewisville, Texas

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

Lewisville 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 Lewisville’s Housing and Community Development Department. This program offers assistance via HAP, the Home-buyer Assistance Program in Lewisville. 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 Lewisville 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 Lewisville area and buying a home that lies within the City of Lewisville for tax purposes.

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Lewisville

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

Best Mortgage Rates in Lewisville 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 Lewisville, Texas

 

All over the United States, there are professional mortgage lenders from the Prodigy Lending Team, who are committed to providing all their clients with the best quality services to satisfy the client’s needs. The Prodigy Lending Team offers low rates and a variety of loan programs that are available in your area of residence. The mortgage professionals, equipped with lots of years of practice, work closely with you to ensure that you land the perfect home loan, suitable for your expectations and situation. Our team is efficient and effective, coming in handy when you are buying your first home, refinancing an existing loan or when consolidating debt.

There is sometimes a federal tax credit for first time home buyers, which ensures that homebuyers can become homeowners. This tax credit helps in increasing homeownership, with home buyers purchasing either a new or pre-owned home being the incentive. The first time home buyer tax incentive can be claimed if the benefits and burdens of homeownership are obtained. This offers you the right to possession, right to obtain a legal title after full payment of the price of the purchase, right to conduct improvements, and the obligation to pay taxes on the property. The responsibility to insure the property, maintain it and take the risk of loss will consequently fall on the homeowner.

However, if you exceed the income limits, you do not qualify to receive the tax credit. Maintaining a good credit record over time raises your chances of landing the best home mortgages. The daunting process of buying a new home has been made easier by the Prodigy Lending Team, which creates lasting relationships with its clients on an individual basis, in order to ensure the constant provision of excellent services. All information about clients is kept private and secure.

The home loans provided by the Prodigy Lending Team have low-interest rates and are operational to all clients. They include:

Conventional Home Loans – They have a low down payment of 3% down, a reduced PMI as compared to FHA loans, flexible terms of payment, low-interest rates with approved scores and no lender fees are charged.

FHA Home Loans – A low down payment of 3.5% is required, the qualifications for the loan are easy to achieve, there are attractive interest rates and rehab loans are available. To qualify for an FHA loan, a higher debt to income ratio is required.

VA Home Loans – There is 100% financing, no mortgage insurance is required, there are lower closing costs, the best interest rates are offered as compared to other government loans and they are very easy to qualify for. 

USDA Home Loans – There is also 100% financing, low-interest rates with no down payment and low mortgage insurance costs. One must qualify for income and home location to be given a USDA loan.

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

 

 

 

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