Knowledgeable Mortgage Lending Company, First Time Home Buyer Assistance & Home Loan Agency In Copeville, 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 11/19/2019 and subject to change without notice."

First-Time Home Buyer in Copeville, Texas

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

Copeville First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Copeville

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

Best Mortgage Rates in Copeville 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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Tips on Prodigy Lending for First Time Home Buyers in Copeville, Texas

 

This team is a great one with trained experts in the US who are ambitioned and committed to serving clients. They give quality service meeting their needs by helping them purchase houses of their desire. Many programs and low rates availed in the locality will enable this professional who is experienced to work hand in hand with you making sure that you possess an outstanding home for your family. May it is your first home, refinancing, a consolidating debt they will aid you get a loan program which is best and at a low rate.

Tips To Get the Best Mortgage

USDA Loan Rates and Requirements

These loans are backed by the Department of Agriculture as a section of the USDA Rural Development Guaranteed Housing Program. 

They are available to many house buyers who have low incomes. In addition, it offers 100% financing with decreasing monthly premiums which feature below-market home loan rates. Currently, USDA has made numerous citizens possess home including those who even never dreamt of owning one.

Currently, USDA mortgage insurance rates are:

  • For purchasing whereby about 1.0 percent upfront fee paid based on the size of the loan.
  • For all loans whereby about 0.35% fee paid annually based on the remaining principal balance.
  • For refinances whereby about 1.0 % upfront fee paid at closing based on loan size.

With USDA home loans, insurance premiums are simply a little fraction of what you finally pay. These loans are normally the lowest among FHA rates, conventional rates, and VA rates.

FHA Loans 

Copeville City first time home buyers program gives a 0% deferred loan to those buying a property for the first time. It underwrites loans basing on lenders commitment. Additionally, it accepts participating lender applications whereby proceeding on a first come first serve basis.

FHA is a governmental Home loan insurer that operates under the Department of Housing and Urban Development (HUD). Its rate is based on prevailing interest rates available in the market. Usually, lenders have updated charts showing loan rates to be insured by it. 

As of 24th June 2010, it was at about 4.5% for 30 years fixed mortgage rate and at about 4% for 15 years fixed rate. 

It has existed for more than seventy years and has insured more than thirty-seven million home loans as well as about 47,000 mortgage projects.

Conventional Home Loans

From many loan services, a conventional loan is most efficient and reliable if you are looking for availing a loan. What is there in it?

  • Advantage of a fixed rate
  • Adjustable loan rate

VA Loans

These loans are for veterans as a way to show appreciation. Mostly they are beneficial to ex-military people.

They are beneficial in that:

  • They have no down payment
  • No insurance is recommended
  • They have guarantee by the government
  • Don’t allow prepayment penalties

The mission is creating and maintaining a good relationship between the team and customers making our name to be entrusted by many people.

To be advised, send a message or call us for we are always looking forward to providing the best mortgage services.

Please contact us if you have any questions!

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