Diligent First Time Home Buyer Assistance, Home Loan Consultant & Mortgage Broker In Dallas, TX

Conventional Rates

4.125 %

4.210 %APR


Low Fixed Rates For 30 Years

FHA Rates

3.625 %

3.798 %APR


Minimum of 3.5% Down

VA Rates

3.625 %

3.721 %APR


100% VA Loan With No Private Mortgage Insurance

USDA Rates

3.875 %

4.101 %APR


100% Financing In Rural Areas

"Rates, terms, and fees as of 07/05/2020 and subject to change without notice."

First-Time Home Buyer in Dallas, Texas

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

Dallas First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Dallas

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

Best Mortgage Rates in Dallas 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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Prodigy Home loans with Tax Incentives and Down Payment Assistance

At prodigy home loans, a professional team helps you find the right loan program with a relatively low-interest rate. It is committed and determined to provide you with the best mortgage services. The existence of many mortgage programs and low rates helps them work hand in hand with you to get a tailored loan that specifically meets your requirements and desired expectations.  

Different Dallas first time home buyer programs are offering down payment assistance and tax incentives to clients who are buying homes and real estates for their first time. To receive house buying benefits you are required to meet some requirements.

Finding the Best Mortgage Loan

VA loans

Department of VA provides you with the aid program if you are an active-duty personnel or retired military officer. Veterans Administration guarantees a maximum of about 25 percent mortgages amounting to about $104,250. These loans are made private lenders enabling you to purchase your own house.

Rules measuring your eligibility

  • If your spouse died while in service and still un-remarried.
  • If your spouse is a prisoner of war
  • If you are a citizen in the United States and serving in the United Service.

VA loans stand due to low rates, lenient underwriting and secondary benefits. They include:

  • No insurance needed
  • No down payment needed
  • Reliable income flexibility and credit hence making many homebuyers to qualify

FHA Mortgages

Being a Plano first time home buyer, it is frightening and exciting. This is why you are advised to turn to FHA home loans. These loans offer many benefits which other conventional lenders fail to:

Its requirements are:

  • Mortgage Insurance Premium
  • FICO credit score ranging between 500 and 579 with a 10% down payment.
  • The home ought to be the borrower’s main host.
  • Easy application process
  • FICO score at least 580 with about 3.5% down payment
  • A debt to income ratio of less than 43 percent
  • Debt to Income ratio importance

USDA Home Loans

This is a program that is insured by almost 100% by the government through the Department of Agriculture. 

If you reside in rural areas, you can qualify for it if you are living in medium-sized cities and towns. Besides, if you are dwelling in the outskirts of major metropolitan regions qualify as well.

Conforming Home Loan

When applying for this type of loan, the following are considered:

  • Past employment record
  • Current assets such as savings etc.
  • Your credit score minimum ranging about 620 and 640
  • Amount of money you spend monthly


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

If you are in need of advice, send a message or call us since the team is always looking forward to providing the best mortgage services.

Please contact us if you have any questions!

We also service the following zip codes and surrounding areas:
75001, 75002, 75006, 75007, 75008, 75010, 75011, 75013, 75014, 75015, 75016, 75017, 75019, 75022, 75023, 75024, 75025, 75026, 75027, 75028, 75029, 75030, 75032, 75034, 75035, 75037, 75038, 75039, 75040, 75041, 75042, 75043, 75044, 75045, 75046, 75047, 75048, 75049, 75050, 75051, 75052, 75053, 75054, 75056, 75057, 75060, 75061, 75062, 75063, 75065, 75067, 75068, 75069, 75071, 75074, 75075, 75077, 75080, 75081, 75082, 75083, 75085, 75086, 75087, 75088, 75089, 75093, 75094, 75098, 75099, 75104, 75106, 75114, 75115, 75116, 75121, 75123, 75125, 75126, 75132, 75134, 75137, 75138, 75141, 75142, 75146, 75149, 75150, 75152, 75154, 75157, 75158, 75159, 75160, 75164, 75165, 75166, 75167, 75168, 75172, 75173, 75180, 75181, 75182, 75185, 75187, 75189, 75201, 75202, 75203, 75204, 75205, 75206, 75207, 75208, 75209, 75210, 75211, 75212, 75214, 75215, 75216, 75217, 75218, 75219, 75220, 75221, 75222, 75223, 75224, 75225, 75226, 75227, 75228, 75229, 75230, 75231, 75232, 75233, 75234, 75235, 75236, 75237, 75238, 75239, 75240, 75241, 75242, 75243, 75244, 75245, 75246, 75247, 75248, 75249, 75250, 75251, 75252, 75253, 75254, 75258, 75260, 75261, 75262, 75263, 75264, 75265, 75266, 75267, 75270, 75275, 75277, 75283, 75284, 75285, 75286, 75287, 75295, 75301, 75303, 75310, 75312, 75313, 75315, 75320, 75323, 75326, 75336, 75339, 75342, 75346, 75353, 75354, 75355, 75356, 75357, 75359, 75360, 75363, 75364, 75367, 75368, 75369, 75370, 75371, 75372, 75373, 75374, 75376, 75378, 75379, 75380, 75381, 75382, 75386, 75387, 75388, 75389, 75390, 75391, 75392, 75393, 75394, 75395, 75396, 75397, 75398, 75407, 75442, 76001, 76002, 76003, 76004, 76005, 76006, 76007, 76009, 76010, 76011, 76012, 76013, 76014, 76015, 76016, 76017, 76018, 76019, 76021, 76022, 76034, 76039, 76040, 76051, 76053, 76054, 76060, 76061, 76063, 76065, 76084, 76092, 76094, 76095, 76096, 76099, 76103, 76105, 76112, 76117, 76118, 76119, 76120, 76140, 76148, 76155, 76180, 76182, 76205, 76208, 76226, 76244, 76248, 76262, 76299, Dallas TX, Mesquite TX, Garland TX, Irving TX, Hutchins TX, Richardson TX, Lancaster TX, Sunnyvale TX, Duncanville TX, Addison TX, Carrollton TX, Grand Prairie TX, Desoto TX, Wilmer TX, Rowlett TX, Fort Worth TX, Plano TX, Sachse TX, Cedar Hill TX, Coppell TX, Seagoville TX, Arlington TX, Forney TX, Red Oak TX, Euless TX, Ferris TX, Rockwall TX, Grapevine TX, Wylie TX, Lewisville TX, The Colony TX, Bedford TX, Allen TX, Crandall TX, Colleyville TX, Frisco TX, Flower Mound TX, Hurst TX, Southlake TX, Midlothian TX, Fate TX, Lavon TX, Mansfield TX, Palmer TX, North Richland Hills TX, Nevada TX, Lake Dallas TX, Waxahachie TX, Kennedale TX, Terrell TX, Little Elm TX, Keller TX, Copeville TX, Haltom City TX, Royse City TX, Princeton TX, McKinney TX, Rosser TX, Roanoke TX, Lillian TX, Venus TX, Kaufman TX, Argyle TX, Scurry TX, Denton TX, Josephine TX, Farmersville TX, Alvarado TX

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Mortgage Lenders In Plano Texas Catering To FHA Loans And First Time Home Buyer Programs