High-flying Mortgage Lender Company, First Time Home Buyer Consultant & Conventional Home Loan Assistance In Sachse, 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 Sachse, Texas

For a first time home buyer Sachse 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.

Sachse First Time Home Buyer Programs

There are programs in the Sachse area to help first time home buyers. The first to consider is HCDD which is Sachse’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 Sachse 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 Sachse area and buying a home that lies within the City of Sachse for tax purposes.

Affordable Housing Corporation of the State of Texas

Also, for a first time home buyer Sachse 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 Sachse

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

Best Mortgage Rates in Sachse 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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    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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The Professional Prodigy Lending Company In Sachse, Texas

 

Introduction

Prodigy is a group of expert mortgage lenders all over the United States of America. They help home buyers to purchase their dream homes, new houses, refinance their existing mortgages as well as consolidate their debts. A borrower is taken through the various mortgage programs with the lowest rates and allowed to choose the one that best suits their needs and situation. A first time home buyer in Dallas can access the different home loans just like any other American citizen. The types of credits available with Prodigy Lending are as follows:

Conventional mortgage loans

The loans help a home buyer who desires to own a home in any part of the United States of America. They come in different amounts depending on one’s income and their credit scores. The interest rate could also reduce with a higher credit score. The mortgage requires a down payment of 3% they have low Premium mortgage insurance (PMI) in comparison with FHA loans, no lender fees and they have flexible repayment of 30, 20, 15, or 10 years period.

FHA home loans

These loans are insured by the Federal Housing Administration department of America but funded by private companies. The loans have a low down payment of 3.5% of the purchase price, easy qualifying requirements, and high DTI ratios. With FHA, a home buyer can get rehab loans. A first time home buyer in Dallas, who may not afford a new home, may purchase a house that needs renovation and caters for this through rehab loans. 

VA Home Loans

Service members, veterans, and select military spouses access these loans to buy their homes. The Veterans Affairs department protects the credit, but banks and private lenders issued them. They have 100% financing, no mortgage insurance, and low closing costs. The mortgage has easy qualification procedure and offer the best rates of all government loans.

USDA Home Loans 

This category of mortgage has 100% financing, no down payment, and low-interest rates. The mortgage insurance is low, but a home must qualify to be in rural designated areas. A buyer must also have enough income to support the mortgage payment.

Through the provision of excellent mortgage services, Prodigy Lending aims to maintain a long term relationship with their clients all over America. They ensure that a borrower’s information enjoys both security and privacy.

To become trustworthy to their clients, Prodigy’s experienced professionals are reachable through calls and other interactive tools. 

Within their 17 years of existence, Prodigy has acquired Top Work Awards for eight years running.

Conclusion

Prodigy is the best home buyer assistance form in Dallas and the entire USA, and it offers expert services in home loans and home buying process. With the different mortgages and lowest rates, a home buyer has the assurance of emerging a winner in their quest for a home.

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

 

 

 

Mortgage Lenders In Dallas Texas Catering To FHA Loans And First Time Home Buyer Programs