Effective USDA Home Loan, Conventional Home Loan & Mortgage Lender In Robstown, 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 Robstown, Texas

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

Robstown First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Robstown

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

Best Mortgage Rates in Robstown 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 Robstown, Texas

     

     

    Owing to the rise in demand for properties across Robstown, many home loan lenders have set camp in the city, in order to rake in the profits that it offers. This has, in turn, made it difficult for first time home buyers to choose the lender to go with, therefore leaving them between the devil and the deep blue sea. However, this should never be the problem as we here at Prodigy Lending Home Loans are what you have been looking for. We are the leading lending agency, not only in Robstown but also across the country, owing to the award-winning services and products that we offer. Once you contact us, we take time to listen to what you need, so that we can deliver just what you need if not better. Therefore, you should not waste any time, give us a call and we will help you in earnest. 

    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 a 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 home loan is another home loan that we offer here at Prodigy Lending Home Loans. This home loan has gained traction all over Robstown 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 that it attracts. The only down payment that you will have to pay is 3.5%. 

    VA and USDA Home Loan 

    Here at Prodigy Lending Home Loans, we do not discriminate against anybody. That is why we offer VA and USDA home loans to veterans and low and middle-income earners respectively. The two home loan programs offer 100% financing of your project and therefore there is no need of additional debts. In addition, both the VA and USDA home loans attract low-interest rates which makes them cost-effective. As if that is not enough the VA home loan does not attract any mortgage insurance costs, while USDA loan does not demand any down payment. 

    Please contact us if you have any questions!

 

 

 

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