Ambitious Lending Company, Home Loan Center & First Time Home Buyer Assistance In Taft, 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 Taft, Texas

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

Taft First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Taft

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

Best Mortgage Rates in Taft 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 Taft, Texas

     

    Do you need any financial assistance so as you can buy your first home in Taft? If yes, then count yourself lucky as we here at Prodigy Lending Home Loans are just what you have been looking for. We are the leading lending agency in Taft that deals with different home loans, consolidating your debts, as well as refinancing your loans. We take great pride in being one of the most trustworthy lending companies in the country, owing to the high-quality services that we offer. Whenever you give us a call, we will take our time to listen to what you need, so that we can craft the perfect mortgage plan for you. With over 17 years of experience as a lending company, there is no financial problem or hurdle that we cannot be able to handle. Therefore, give us a call today as we are ready and willing to help. 

    Conventional Home Loan 

    One among the many home loan programs that we offer here at Prodigy Lending Home Loans is the conventional home loan. In case you have been looking forward to get the perfect financing for your first home, then conventional home loans ought to be your ideal choice. This is because it does not attract any lender fees, attracts low-interest rates, as well as reduced mortgage insurance costs. This goes a long way in helping you save while still purchasing your home. You can choose either 30, 20, 15, or 10-year term mortgages plan for the conventional home loan. 

    FHA Home Loan 

    In case you have been looking for a home loan that is affordable and cost-effective, then you are looking for the FHA home loan. This is because the loan attracts very low-interest rates, thus giving you a return on your investment. As if that is not enough, the FHA home loan demands a down payment of 3.5 which is relatively low as compared to other home loans. To cap it off, the Prodigy Lending Home Loans has lenient guidelines that make it easy to qualify for the home loan program. 

    VA and USDA Home Loan 

    Here at Prodigy Lending Home Loans, we are proud of our veterans and servicemen and that is why we offer them the VA home loan. In the same wavelength, we have the interests of low-income earners and that is why we offer the USDA home loan.

    The two home loans share very many benefits for instance, the two home loan programs are very easy to qualify to owe to their lenient guidelines. In addition, they attract low-interest rates making them affordable. It is, however, worth noting that the VA home loan does not charge any mortgage insurance costs while the USDA home loan does not require any down payment. 

    Please contact us if you have any questions!

 

 

 

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