Diligent First Time Home Buyer Consultant, Mortgage Company & Conventional Home Loan In Sunnyvale, 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 07/12/2020 and subject to change without notice."

First-Time Home Buyer in Sunnyvale, Texas

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

Sunnyvale First Time Home Buyer Programs

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

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

Best Mortgage Rates in Sunnyvale 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 Highly-Experienced Prodigy Lending Company In Sunnyvale, Texas


Prodigy mortgage lending company is there to offer you quality services. For all buying a home for the first time, find help by contacting the prodigy professionals since they will not fail to assist you. Prodigy serves its clients beyond their expectations. Its offers are low rates, it provides multiple loan lending program that you can choose from, and above all, you can access its offices located in most parts of the United States. You can also meet whenever you need advice on mortgaging.

Prodigy’s programs are;

  1. Conventional home loan – This type has plenty of advantages that include; a 3% down payment, low-interest rates with approved scores, reduced PMI than that of the F H A  loan, a flexible repayment period of up to 30 years and an excluded lender fee.
  2. FHA home loan – A FHA loan has the most suitable interest rates for everyone. Qualifying is easy as you only have to pass the high debt/income ratio then you can make a down payment of 3.5% of the agreed amount. Don’t forget to ask for rehab loans if in need.
  3. VA home loan – this loan type has an easy application with amazing offers. First, one can be served with the best rates if government-sponsored, get low V A closing rates with 100% financing, it is to qualify for this loan which has no mortgage insurance for VA’s.
  4. USDA home loan – is the final loan by the prodigy. Its mortgage insurance cost, interest rates for every 100% loan are unexpectedly low with no down payment. It has 100% financing and for one to qualify, he/she ought the best income and a good house location.

The team aspires to serve its clients in the best way possible, in addition to maintaining this friendship for a long time to come. You can always find the company’s best lenders by making a call, visiting its offices or accessing their site for more insight. When you provide our information to the company rest assured that it is regarded with privacy. 

The company is a private mortgage lender with a dedication to its services. Having been in existence for more than 17 years, the prodigy team has never failed to excel in excellence. It is thus the reason for its top rank in workplaces all over the United States. Moreover, the prodigy has proved to be competitive with desired home loan rates.

You could be wondering how the company comes up with the rates! Its rates are basically offered based on the current market condition. You should observe the market keeps changing with time, so do the rates. If you wish to buy or even refinance a mortgage for a lower mortgage, Prodigy is here!

Lastly, to get access to our loan mortgages, simply find a short form with us and fill it correctly. Keep in mind that, we are here because of you.

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