Diligent First Time Home Buyer Assistance, Mortgage Agency & Home Loan Consultant In Wylie, 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 Wylie, Texas

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

Wylie First Time Home Buyer Programs

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

Affordable Housing Corporation of the State of Texas

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

Free Homebuyer Education Classes in Wylie

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

Best Mortgage Rates in Wylie 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
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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 Company In Wylie, Texas

 

The Prodigy Lending team comprises of mortgage professionals that can be found in all parts of the United States. We give grants for first time home buyers in Wylie, we also enable them to access the highest quality service for their mortgage needs. Furthermore, they will receive lower rates in addition to multiple loan programs. Our team will avail themselves of their places of residence. With our professional lenders, you can be sure of finding the best mortgage type. Whether you are purchasing a home for the first time, refinancing a mortgage, or even consolidating debt, our professional officers will guide you through the entire process just to ensure you get the most appropriate loan.

This could be the right mortgage for you!

If you are a first time home buyer with bad credit, you need not worry, for there is an option for everyone.

CONVENTIONAL HOME LOANS

Every home buyer should be aware of this type of mortgage. It is of great importance since it will offer you a low rate of 3% as a down payment. As if that is not enough, the conventional home loan’s Private Mortgage Insurance (PMI) is low compared to that of FHA. The buyers also receive flexible payment terms that range from 10 – 30 years. Buyers should know that any mortgage with approved scores will get low-interest rates. Finally, the conventional home loan requires no lender charges from its clients, it is sorted!

FHA HOME LOANS 

The Federal Housing Administration loan’s qualifications are so easy, the only thing that will be required of you, is to give a down payment of as low as 3.5% of the stated price. The FHA loan’s interest rates are affordable. This loan type will help you access rehab loans not forgetting that you ought to meet a requirement of high debt to income ratio.

VA HOME LOANS 

The Veterans Affairs loan is a government-sponsored loan that does not ask for insurance. It provides 100% financing to veterans with the best rates. More so, its rates are amazingly low.

USDA HOME LOAN 

The USDA offers you100% loan without a down payment. Moreover, it gives 100% financing with low insurance costs. Although its interest rates are low, one must have a good income and a good home location to qualify for it.

We aspire to create a lasting relationship with our clients and provide them excellent service as long as we are in existence. We also ensure privacy to your information because our name throughout the lending community is respected.

Whenever you need to consult one of our professionals, just give us a call anytime or you are at liberty to use our websites to convey information. Otherwise working with you, is our pleasure.

   The prodigy lending team has been excellently excelling in service rendering for more than 17 years. Our main objective is to establish and maintain a working relationship with our clients in the future. You can reach our professional experts at any time you wish. Remember we are only a call away. You can also visit our offices or even log in to our website. Our company name is well known all over the lending community and for this case, we are obliged to maintain our standards through securing our clients’ information.

Please contact us if you have any questions!

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