Experienced Mortgage Consultant, USDA Home Loan Assistance & Mortgage Lender In Richardson, 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 Richardson, Texas

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

Richardson First Time Home Buyer Programs

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

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

Best Mortgage Rates in Richardson 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 Competitive Prodigy Lending Company In Richardson, Texas

 

HERE IS THE MORTGAGE LOAN THAT YOU’VE ALWAYS WANTED

If you are a home buyer looking for down payment assistance, Look no further, the prodigy mortgage lending team will be here to assist you. With it, you can find a number of mortgage loan types. Just choose the one you would prefer. The prodigy team consists of professional members who will be pleased to serve you to your satisfaction. Apart from that, you will find low mortgage rates and high-quality services. Do not hesitate to come to us since you can always find us in our offices located all over the United States. 

We offer our clients the listed mortgage types

CONVENTIONAL HOME MORTGAGE

This loan type will allow you much freedom of making a payment since its term duration ranges from 10-30 years. Its PMI is much low, you get low-interest rates with an approved score. There are no lender charges required and its down payment is as low as 3%.

FHA HOME LOAN 

This is a mortgage program with several advantages. One can qualify easily by having a higher debt to income ratio. After making a 3.5% down payment, you can go ahead and enjoy your low-interest rates. You can find rehab loans here.

VA HOME LOAN 

It is a government loan with attractive rates. With no requirements to qualify, the VA will provide you 100% financing and lower loan closing costs. Rest assured that there is no mortgage insurance for all VA’s.

USDA HOME LOAN 

You get this loan by first qualifying for a good income and ensure a good home location. When your loan is 100%, you automatically receive low-interest rates. Remember not to give a down payment. You will again receive 100% financing and low mortgage insurance cost.

Prodigy Company is committed to excellence which has rendered it the best private mortgage lender in the United States. Secondly, the prodigy has received awards in connection to its outstanding performance. It has more so been listed among the top workplaces for the past eight years. The company provides the most competitive rates for your home loan with the lowest and most current mortgage rates available. 

With its multiple loan programs, clients can rely on it to get the most preferred loans. Bear in mind that the mortgage rates offered by Prodigy Company entirely depend on the current market condition. With it, one can buy or refinance to a lower mortgage. Any application can be made by filling out a short form then submitting it for review.

Prodigy aims at building a good with its clients for many years and rendering them excellent services. All personal information provided to the Prodigy Company is secure. The company’s name is well known among the lending companies thus earning it more trust. 

In case anyone wants to contact the company’s professionals, remember you can always make a call, a personal visitation or even get access to the website for more information. Our aim is to work with you.

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

 

 

 

 

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