Qualified Home Loan Program Consultant, First Time Home Buyer Assistance & Home Loan Center In Aransas Pass, 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 04/01/2020 and subject to change without notice."

First-Time Home Buyer in Aransas Pass, Texas

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

Aransas Pass First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Aransas Pass

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

Best Mortgage Rates in Aransas Pass 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
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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 Professional Prodigy Lending Home Loan Company In Aransas Pass, Texas


      We here at Prodigy Lending Home Loans are your leading lending agency in the country, owing to the award-winning and excellent services and products that we offer. Once you choose to walk with us, we will listen to what you need and specifically tailor for you that, as we have your interests at heart. We have within our team highly qualified mortgage experts, who work their fingers to the bone in ensuring that we put a smile on the faces of our clients. With our 17 years’ experience, you can always trust us in providing you the mortgage that best suits your interests. Therefore, in case you need the money to purchase your first home, consolidate your debts, or refinance your loans, just give us a call or walk through our doors right away. 

      Conventional Home Loan 

      Just as stated earlier, we here at Prodigy Lending Home Loans are committed to helping our clients get the best out of their finances. That is why we offer a wide range of home loan programs from which you can choose from. Our conventional home loan goes far and beyond offering you the money to buy your first home in Aransas Pass, as it attracts very low-interest rates and reduced mortgage insurance costs, which helps you to save. In addition, all the down payment that you will have to pay for the home loan is 3% which is very low. 

      FHA Home Loan 

      In case you have been looking for a home loan that is affordable and cost-effective, then you are looking for the FHA home loan. This is because the loan attracts very low-interest rates, thus giving you a return on your investment. As if that is not enough, the FHA home loan demands a down payment of 3.5 which is relatively low as compared to other home loans. To cap it off, the Prodigy Lending Home Loans has lenient guidelines that make it easy to qualify for the home loan program. 

      VA and USDA Home Loan 

      Here at Prodigy Lending Home Loans, we have not been left behind. We take great pride in the work that our veterans do in protecting this country and that is why we offer the VA home loan. In the same wavelength, we also want to give all people the chance to own their first home and that is why we offer USDA home loans. The two home loan programs share many benefits like attracting low-interest rates and mortgage insurance costs, thus making them cost-effective. Nonetheless, VA home loan does not charge any mortgage insurance costs, while the USDA home loan does not demand down payment. 

      Please contact us if you have any questions!

      [expand title=”We also service the following zip codes and surrounding areas:”]78335, 78336, 78340, 78358, 78359, 78362, 78373, 78374, 78381, 78382, 78390, 78411, 78412, Aransas Pass TX, Ingleside TX, Port Aransas TX, Gregory TX, Rockport TX, Portland TX, Fulton TX, Bayside TX, Taft TX[/expand]

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