Expert of Conventional Loan, USDA Home Loan, VA Home Loan & FHA Home Loan In Wylie, 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 07/11/2020 and subject to change without notice."

First-Time Home Buyer in Wylie, Texas

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

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Wylie

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

Best Mortgage Rates in Wylie 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 Wylie, Texas


Are you a Dallas first time home buyer? If you are looking in the mortgage market either to own a home in Wylie or refinance your existing loan, Prodigy Lending Home Loans might just be your one-stop-shop.

Why Prodigy Lending Home Loans?

  • We offer a variety of different mortgage loan options to choose from. These include conventional home loans, Veteran Affairs (VA) loans, Federal Housing Administration (FHA) home loans and the United States Department of Agriculture (USDA) home loans.
  • What is the best company without the best staff? We have professionals working with us that will guarantee experienced advice and services on all of your mortgage needs.
  • Up – to – date rates on all of the mortgage packages that we present to our clients. This basically is to ensure the maximum benefit of those clients keens on opportunistic timing to enter the market.
  • There are customer – friendly services. We take our clients in very high regard. Your happiness results in our happiness. This is why we work to give you the best experience when you are with us and aim at creating more and more lasting relationships with our clients.
  • Our telephone lines are or to the public to call anytime they have a mortgage query. Furthermore, our user – friendly interactive tools available at our website are found to be beneficial in your own mortgage planning.
  • We are well experienced in the industry having provided award-winning service for 17 years. Without a doubt more than capable to give first time home buyer assistance to those searching in Dallas, Texas.

Conventional home loans that we offer to stand at a low 3% down payment, low-interest rates (dependent on the approved credit scores), no lender’s fees and reduced Private Mortgage Insurance compared to FHA loans.

Federal Housing Administration (FHA) Loans, on the other hand, require at least 3.5% of the basic loan value as a down payment. It has relatively easy qualifications for eligibility such that those with high debt to income ratio can qualify for this loan as well. Thus suitable for Wylie first time home buyer with bad credit. The interest rates set for this loan are friendly to the borrower’s pockets. As an added advantage rehab loans are available too in this pick. 

Veterans, those on duty and their families too have a place in the products we have. The Veteran Affairs (VA) loan is 100% financed courtesy of the Veterans Administration. It has more perks as it is easy to qualify for, there are no mortgage insurance charges at all, the closing costs are at an all-time lower and it holds the best interest rates among all the other government loans.

We participate in the USDA loan system and so we are capable of issuing USDA home loans. They too are 100% financed but by the US department of agriculture. It has low rates and requires zero down payment by the borrower. The mortgage insurance costs are low. The trick here is the level of income must be established and home location must be known so as to qualify.

Go Prodigy Lending Home Loans today!!!!

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