First Time Home Buyer Austin

The Qualified First Time Home Buyer Program, Experienced Home Loan Specialist & Mortgage Expert In Cedar Creek, 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 06/05/2020 and subject to change without notice."

Best Mortgage Rates in Cedar Creek 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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Get up-to-date information on mortgage and real estate news including mortgage rates, processing, and refinancing.
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Getting Prequalified just got a lot easier
In just a few minutes you can lock in your mortgage rate right now!
  • We provide the lowest, most current mortgage rates available.
  • Work with the BEST lending company in the Greater Houston Area.
  • Discover simple, affordable, and effective tools to help you secure a mortgage.
“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
Man using the best mortgage lender in houston texas

Real Clients. Real Stories. Real Results.

Our goal is to provide you with the best customer service possible.

  • home loans by The Texas Mortgage Pros
    Aldin A.

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

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    Shareem W.

    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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    Javier P.

    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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    Kyle B.

    As a Real Estate Broker, I know nothing impacts a buyer’s transaction more than the loan process. I recently closed a very difficult… View more »

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    Christina & Aaron F.

    We just wanted to say thanks again for all your help with everything. We closed and are now proud homeowners! The title company… View more »


Prodigy Lending Home Loans In Cedar Creek, Texas


When looking for the lending company to get your mortgage from, you need to take great caution so as not to fall into the pitfalls of fraudsters. We here at Prodigy Lending Home Loans boast of being the leading lending agency in Cedar Creek. This has however not been handed to us on a silver platter, we have worked our way to the top by offering award-winning services and products. You can therefore never go wrong by choosing us to be your lender. We have within our team one of the best minds when it comes to mortgage and finance, thus assuring you that you are in safe hands when you choose to walk with us. Join our bandwagon today to get a taste of our services, by giving us a call and we will earnestly attend to your needs. 

Conventional Home Loan 

As a first time home buyer in Cedar Creek, your number one concern ought to be how you are going to save money. Our conventional home loan has one of the best interest rates, provided that you have good scores, which helps you to save on your resources. We offer our conventional home loans with different terms, in order to give our clients the freedom of choosing what they need. when you opt to go for the conventional home loan kill, there are no lender charges involved as well as it attracts very low mortgage insurance costs. 

FHA Home Loan 

Here at Prodigy Lending Home Loans, we also offer the Federal Housing Administration home loan or FHA home loan as it is popularly known. Our FHA home loan beats all odds by being one of the easily accessible home loans in the country, owing to its lenient guidelines. You do not, therefore, have to worry about your high debt to income ratio or low credit score, as you can qualify for our FHA home loan. In addition, this home loan attracts low-interest rates which help you to save your money. All the down payment that you will have to pay is 3.5%. 

VA and USDA Home Loan 

Here at Prodigy Lending Home Loans, we strive to ensure that we cater to all the needs of our clients. That is why we offer VA and USDA home loans which are specifically tailored for veterans and low and middle-income earners respectively. What sets these two home loans apart from the rest is their 100% financing as well as the low-interest rates and mortgage insurance costs than it attracts. This, in turn, helps you to save on your money. It is worth noting that the USDA home loan goes a long way in down payment assistance, as it does not require you to pay. 

Please contact us if you have any questions!

We also service the following zip codes and surrounding areas:
78602, 78612, 78616, 78617, 78621, 78662, 78701, 78702, 78705, 78719, 78721, 78722, 78723, 78724, 78725, 78741, 78742, 78744, 78751, 78752, Cedar Creek TX, Del Valle TX, Austin TX, Bastrop TX, Red Rock TX, Dale TX, Elgin TX

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