Effective Mortgage Lender Company, Home Loan Program Consultant & First Time Home Buyer Assistance In Edroy, 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 Edroy, Texas

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

Edroy First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Edroy

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

Best Mortgage Rates in Edroy 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 Edroy, Texas

     

    Prodigy Lending Home Loans

    Here are Prodigy Lending Home Loans we understand fully well how hard it is to raise resources to buy a home in Edroy. That is why we work our fingers to the bone, in order to ensure that our client’s dreams of owning a home do not go down the drain. With the help of our highly qualified and experienced mortgage experts, we strive to ensure that we put a smile on your face, after seeing the services and products that we offer you. Whenever you choose to walk with us therefore, you will not be playing poker as you are assured of top-notch services and packages that you need. We have been in the lending scene for over 17 years now, which underlines the level of expertise and experience that we have in mortgages. Therefore, do not waste any more of your time, give us a call or walk through our doors today to get a taste of walking with the best. 

    Conventional Home Loan 

    Owing to the large pool of clients that we have here at Prodigy Lending Home Loans, we burn candles and both ends in order to ensure that all their financial needs are met. That is why we offer wide range of home loan programs from which you can choose.

    Our conventional home loan has built a name for itself, owing to the low down payment amount that it demands. In addition, the loan attracts low-interest rates and mortgage insurance, thus making it cost-effective. We also offer flexible conventional home loan terms much to your delight.

    FHA Home Loan 

    The Federal Housing Administration is the other home loan program that we offer here at Prodigy Lending Home Loans. This loan is particularly popular amongst our clients, owing to the lenient guidelines that it demands. This makes the home loan program one of the easiest home loans to acquire or qualify for.

    In addition, the FHA home loan attracts low-interest rates thus giving you value for your money. With a low down payment of 3.5% of the amount you are applying for the FHA home loan ought to be your ideal home loan. 

    VA and USDA Home Loan 

    Here at Prodigy Lending Home Loans, we also offer VA  home loan, which is a home loan program specifically tailored for the veterans as well as USDA home loan which is meant for low and middle-income earners.

    The good thing with the two home loan programs is that they offer 100% financing much to the delight of our clients. In addition, they have lenient guidelines that make them easy to qualify, as well as attracts low-interest rates, thus giving you a return on your investment. 

    Please contact us if you have any questions!

 

 

 

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