High-flying First Time Home Buyer Assistance, Mortgage Loan Consultant & Home Loan Center In Chapman Ranch, 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 11/22/2019 and subject to change without notice."

First-Time Home Buyer in Chapman Ranch, Texas

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

Chapman Ranch First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Chapman Ranch

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

Best Mortgage Rates in Chapman Ranch 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 Professional Prodigy Lending Home Loan Company In Chapman Ranch, Texas

     

    Have you been trying to find a lender in Chapman Ranch who offers home loans at affordable rates? If yes, then you being here is a clear testament that you are well on track. This is because we here at Prodigy Lending Home Loans are the leading lending company in Chapman Ranch that you can trust. We have been able to rise through the ranks by offering award-winning superior services and products to our clients. You can therefore never go wrong by choosing us to be your lending partner. Once you contact us for our services, our mortgage professionals will lend you their ears, understand what you need, and specifically tailor for you the mortgage package that you need, as we always endeavor to establish a long term relationship with our clients. Do not be left behind, join our bandwagon today and let us make your dream a reality. 

    Conventional Home Loan 

    In a bid to ensure that we put a smile on the faces of our clients, we do offer a wide array of home loan programs, one of them being the conventional home loan. What makes our conventional home loan stand out is its low down payment requirement of 3%. In addition, the home loan is very cheap as it attracts very low-interest rates and mortgage insurance costs, thus helping you save. As if that is not enough, our conventional home loan comes in different terms of 30, 20, 15, and 10 years, from which you can choose from. 

    FHA Home Loan 

    Owing to the lack of funds and the need for safe and comfortable living, we here at Federal Housing Administration loan as we are an FHA approved lender. Our FHA home loans are very popular, owing to the low-interest rates that it attracts as well as the lenient guidelines that make it very easy to qualify. This, therefore, means that even with a high debt to income ratio or low credit score, you can still qualify for the home loan program. This goes a long way in helping people own first homes in Chapman Ranch. 

    VA and USDA Home Loan 

    Here at Prodigy Lending Home Loans, we also offer VA and USDA home loans, which are specifically tailored for veterans and low and middle-income earners. Both of these home loan programs offer 100% financing of your project, thus helping you avoid additional loans. In addition, the two home loan programs have lenient guidelines for qualification, thus making it easy to qualify for home loans. As if that is not enough, both the VA and USDA home loan attracts very low-interest rates, making them cost-effective. 

    Please contact us if you have any questions!

 

 

 

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