Competitive Lending Agency, Home Loan Consultants & Mortgage Broker In Irving, 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 Irving, Texas

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

Irving First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Irving

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

Best Mortgage Rates in Irving 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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Our goal is to provide you with the best customer service possible.

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    Highly recommendable! I worked with Gerry Nicodemus for refinancing my home. Gerry was a thorough professional …View more »

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    Mr. Nicodemus is truly one of the best in the mortgage industry. He is well versed and extremely knowledgeable regarding… View more »

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    Mr. Nicodemus is someone to trust, I had the pleasure to meet him. He is great as a Consultant and as a person that really … View more »

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Tips on Prodigy Lending for First Time Home Buyers in Irving, Texas

 

The prodigy home loan lending team in the U.S is a team of mortgage professionals who are committed to providing customers with the highest quality mortgage services. Availability of many Irving first time home buyer programs with lowest rates will allow our team to work with you one on one ensuring that you acquire a home loan tailored specifically to meet your dreams and expectations. Whether you are buying your dream home, refinancing a loan or consolidating debt, our loan officers will lend you a hand on finding the best first time home buyer program Irving.

Carefully find most Preferred Mortgage Loan for You

CONVENTIONAL HOME LOANS

  1. Flexible loan terms – 30, 20, 15 and 10-year mortgages
  2. Low down Payment
  3. Reduced PMI 
  4. Low-interest terms 
  5. Approved credit scores
  6. No lender fees

FHA HOME LOANS

  1. Undemanding qualifications
  2. Low-interest Rates 
  3. Availability of rehab loans
  4. Higher debt to income ration
  5. Low down payments about 3.5 %

USDA HOME LOANS

  1. Low rates with 
  2. The down payment is not necessary
  3. Low mortgage insurance cost
  4. 100 percent financing

VETERAN HOME LOANS

  1. Financing of almost 100%
  2. Low or no mortgage insurance 
  3. VA loans closing cost
  4. Ease of qualification
  5. Reliable mortgage rates

One of our goals is building a good relationship with each borrower so that we can continue providing excellent services for many decades. Unlike some other larger first time home buyer assistance Irving mortgage companies out there, all our customer information is safely kept and handled with confidentiality. This helps us make our name trusted throughout the lending community. 

To contact our experienced home loan experts, clients are advised to simply give a call or freely utilize provided interactive tools on the prodigy site. 

OVER SEVEN YEARS, OUR TEAM HAS BEEN GIVING QUALITY SERVICES

GET YOUR PRE-APPROVAL COMMENCED IMMEDIATELY

THE TOP U.S WORKPLACE

For the past eight years, our team of professionals has been awarded as the top workplace something we are proud of. We are committed to excellence in the workplace as well as honored to receive such recognition. 

Find Most Suitable Mortgage rates on your Home

In prodigy, we have the lowest and most reliable mortgage rates whereby our home loan center provides various low-cost home loans for refinancing and buying.

As well, we are popular for being among the best private Irving first time home buyer mortgage lenders in United State and its territories. We absolutely guarantee that you will get a mortgage program that will serve you right and make your home-owning dream come true.

Do you want to buy a new home and refinance with a lower mortgage?

We provide mortgage rates depending on the market condition which often change. You are recommended to fill out a short form and get a fast no-obligation quote.

Please contact us if you have any questions!

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