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 Corpus Christi, Texas
For a first time home buyer Corpus Christi 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 Corpus Christi offers ways to make it work for you.
Corpus Christi First Time Home Buyer Programs
There are programs in the Corpus Christi area to help first time home buyers. The first to consider is HCDD which is Corpus Christi’s Housing and Community Development Department. This program offers assistance via HAP, the Home-buyer Assistance Program in Corpus Christi. 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 Corpus Christi 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 Corpus Christi area and buying a home that lies within the City of Corpus Christi for tax purposes.
Affordable Housing Corporation of the State of Texas
Also, for a first time home buyer Corpus Christi 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 Corpus Christi home buyers. This is a grant, so the family does not need to pay it back.
Free Homebuyer Education Classes in Corpus Christi
Perhaps the most important thing for a first time home buyer in Corpus Christi is to their homework. An excellent idea is to take advantage of one of the classes for home buyers in the Corpus Christi 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 Corpus Christi or anywhere.
Best Mortgage Rates in Corpus Christi Texas
- 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!
- 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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We just wanted to say thanks again for all your help with everything. We closed and are now proud homeowners! The title company… View more »
The Professional Prodigy Lending Home Loan Company In Corpus Christi, Texas
The prices of properties around Corpus Christi are skyrocketing at astonishing speeds. This has led to the forfeiting of many people’s dreams of owning a home. Nonetheless, not all is lost as we here at Prodigy Lending Home Loans take great pride in the quality of services and products that we offer. We have been in this scene for over 17 years’ experience where over the years we have helped hundreds of thousands of clients in realizing their dreams. You can therefore never go wrong by choosing us to be your lending company in the country. Once you opt to walk with us, you will be choosing to walk with the best lending company in the world, as we are one of the leading lending companies in the country. Do not hesitate to give us a call or to utilize the interactive tools on our site, and our professional staff will attend to your needs.
The conventional home loan is one of the home loan programs, that we are known for here at Prodigy Lending Home Loans. This is because our conventional home loans do not only attract low-interest rates and mortgage insurance costs but also demands a very low down payment of 3%. This being the case therefore, our conventional home loan is not only affordable but also cost-effective. You can choose the conventional home loan with the terms that you need, as we offer 30, 20, 15, and 10 years conventional home loan terms.
FHA Home Loan
The Federal Housing Administration home loan is another home loan that we offer here at Prodigy Lending Home Loans. This home loan has gained traction all over Corpus Christi owing to its lenient guidelines. This means that qualifying for the FHA home loan is very easy, because even if with a high debt to income ratio, you can still qualify. In addition, our FHA home loan is very affordable and cheap, owing to the low-interest rates and mortgage insurance costs than it attracts. The only down payment that you will have to pay is 3.5%.
VA and USDA Home Loan
In case you are a veteran or middle or low-income earner in Corpus Christi, we here at Prodigy Lending Home Loans have not left you behind. This is because we offer VA and USDA home loan respectively, thus making the dreams of many people a reality. What sets our VA and USDA home loan apart from the rest home loans is that they offer 100% financing. In addition, they attract very low-interest rates thus helping you to save. For the USDA home loan, you will not have to pay any down payment.
Please contact us if you have any questions!