Expert Conventional Home Loan, Home Loan Program Consultant & USDA Home Loan In Driscoll, 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 Driscoll, Texas

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

Driscoll First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Driscoll

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

Best Mortgage Rates in Driscoll 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 Driscoll, Texas

     

    Prodigy Lending Home Loans

    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. 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.

    Over the past 17 years that we have been in the scene, we have helped our clients in buying their first homes in Driscoll much to the delight of their families. With our main objective being to provide solutions to all the financial hurdles of our clients, we do offer a wide range of home loan programs and services. Therefore, in case you want to buy your first home, consolidate your debts, or refinance your loan, then we are your best bet. Give us a call or walk through our doors and we will help you in earnest. 

    Conventional Home Loan 

    One of the many home loans that we offer here at Prodigy Lending Home Loans is the conventional home loan. This home loan has become particularly popular, owing to its loan down payment of 3% which is very low as compared to other loans.

    In addition, the loan attracts low-interest rates to those with great credit scores as well as reduced mortgage insurance costs thus giving you a return on your investment. As if that is not enough, the home loan program does not attract any lender fees. 

    FHA Home Loan 

    We are an FHA approved lender and that is why we offer the Federal Housing Administration loan. Besides the FHA home loan attracting very low-interest rates, it also demands a low down payment of 3.5%. This makes the home loan very popular among our clients, as it enables them to save. In addition, the FHA home loan has lenient guidelines as it is backed by the government, which enables very many people to qualify for it. You can qualify for the home loan program even with a high debt to income ratio or low credit score. 

    VA and USDA Home Loan 

    In order to cater for the needs of all our clients, here at Prodigy Lending Home Loans, we do offer both VA and USDA home loan. The VA home loan is for veterans while the USDA home loan is meant for the low-income earners. The good thing with these home loans is that they offer 100% financing, thus providing you with all the finances that you need.

    In addition, the two home loans charge very little rates which makes it very cost-effective. You do not need to pay any down payment for the USDA home loan while the VA home loan does not attract any mortgage insurance costs. 

    Please contact us if you have any questions!

 

 

 

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