30 YEAR FIXED
Low Fixed Rates For 30 Years
30 YEAR FIXED
Minimum of 3.5% Down
30 YEAR FIXED
100% VA Loan With No Private Mortgage Insurance
30 YEAR FIXED
100% Financing In Rural Areas
First-Time Home Buyer in Seagoville, Texas
For a first time home buyer Seagoville 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.
Seagoville First Time Home Buyer Programs
There are programs in the Seagoville area to help first time home buyers. The first to consider is HCDD which is Seagoville’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 Seagoville 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 Seagoville area and buying a home that lies within the City of Seagoville for tax purposes.
Affordable Housing Corporation of the State of Texas
Also, for a first time home buyer Seagoville 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 Seagoville home buyers. This is a grant, so the family does not need to pay it back.
Free Homebuyer Education Classes in Seagoville
Perhaps the most important thing for a first time home buyer in Seagoville is to their homework. An excellent idea is to take advantage of one of the classes for home buyers in the Seagoville 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 Seagoville or anywhere.
Best Mortgage Rates in Seagoville
- 1st – Preliminary Assessment – Let’s see how much you qualify for.
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- 3rd – Approval and Closing – We can close your file in 30 days 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.
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The Proficient Prodigy Lending Company In Seagoville, Texas
Prodigy Lending has branches in every part of the USA. It consists of professional mortgage personnel who are dedicated to quality service provision. As our client, we exist to ensure that your mortgage needs are met. Our team of experts will work with you hand in hand to give you competitive interest loans from various mortgage programs that we provide. All our clients who are seeking to buy a home for the first time, refinance the ongoing mortgage or put together debt can get suitable loans from our various programs. The mortgage expert will be available to guide each client to make a decision on the loans that best suit her wants.
For you to get the right mortgage, you will need to understand our different loans given to you by us. These include conventional, VA, FHA, and USDA home loans. We are going to give you the characteristics of each so you can have all the information at hand.
Conventional loans have flexible terms of 10, 15, 20, or 30 years and require a down payment of only 3%. This is coupled with attractive interest rates, especially for those who have good credit scores. PMI is also reduced in contrast to one on FHA loans. To make it good enough, our customers do not have to pay for the lender charges. This is good for the first time home buyers in Seagoville with high credit score
These types of loan programs help you to fully finance your home without having to worry about the down payment. The loans come with reduced interest rates and mortgage insurance, which makes it necessary for you to meet income and home location before getting the loan. First time home buyers in Seagoville can benefit from these loans, especially if one is comfortable owning a home there but cannot raise the down payment.
VA Home Loans
We, as Prodigy recognize the input of military personnel in our society. If you are a veteran, this program is right for you. We offer 100% financing with no down payment required. Our clients do not need to look for mortgage insurance as long as they have a certificate of eligibility. It is quite easy to qualify for these loans, and you will get to enjoy our best rate in the market. First time home buyer in Seagoville with lousy credit scores, this program will be the right choice.
This type of mortgage is mostly preferred by first time home buyers in Seagoville as they accept grants for financing down payment. The down payment is at 3.5% of the purchase price. We also offer refurbishment loans under this program. The mortgage comes with attractive interest rates with flexible conditions, which makes it easier for one to qualify. to lower the risk of the loan, we require our clients to have a high debt-to-income ratio.
If you are looking for the best lender, look no further. Our team has been awarded the Top Workplace for the last eight years. We have been the industry for over 17 years, and for this entire period, our services have been top-notch. Our clients can contact us, and our professional mortgage team will be ready to actualize their dreams of becoming homeowners. Speak to us in person or use our website to get in touch with us. Prodigy is ready to answer all clients’ queries; all you need to do is to fill in a short form.
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