First Time Home Buyer Austin

The Experienced Mortgage Professional Experts, Home Loan Lender & First Time Home Buyer Program In Cedar Park, 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 01/23/2020 and subject to change without notice."

Best Mortgage Rates in Cedar Park 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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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 »

  • Texas Mortgage home loan programs
    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 »

  •  Top Mortgage Lender in Texas
    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 Park, Texas


We here at Prodigy Lending Home Loans have been in the lending scene for a whopping 17 years. This, therefore, underlines why we have been able to rise through the ranks to become the number one leading company in Cedar Park. We take great pride in the quality of services and products that we offer here Prodigy Lending Home Loans. We do this with the help of highly qualified and experienced mortgage professional experts, who break their backs in helping us put a smile on the faces of our clients. With our wide range of home loans which we charge at competitive rates, you can never go wrong by choosing to walk with us. In case, therefore, you have been looking forward to purchasing your first home, consolidating your debts, or refinancing an existing loan, all you need to do is call us or walk through our doors, and we will do the hard work. 

Conventional Home Loan 

One of the home loan programs that we are known for here at Prodigy Lending Home Loans, is the conventional home loan. This is because we ask for a mere 3% of the amount you are applying for as down payment, which is very low as compared to other loans. In addition, our conventional home loan attracts very low-interest rates and mortgage insurance, which helps you save. As if that is not enough, here at Prodigy Lending Home Loans we do not charge any lender fees for the conventional home loan. 

FHA Home Loan 

Another home loan program that we offer, that as a first time home buyer you need to look out for is the FHA home loan. This is because the loan is one of the most affordable, owing to the low-interest rates that it attracts. In addition, our FHA home loan has very lenient guidelines that you need to meet in order to qualify for the home loan. This, therefore, means that qualifying for our FHA home loan is very easy, as even with a high debt to income ratio, you can still qualify for the home loan program

VA and USDA Home Loan 

For the veterans and low-income earners living in rural areas, we have never forgotten you and that is why we offer VA and USDA home loan respectively. This is so as to give everyone a chance of owning a home, despite their financial might. The good thing with the two home loan programs is that they offer 100% financing while attracting very low-interest rates as well as mortgage insurance costs. This, in turn, goes a long way in helping save on your money. It is worth noting that for the USDA home loan, we do not ask for any down payment. 

Please contact us if you have any questions!

We also service the following zip codes and surrounding areas:
73301, 73344, 78613, 78626, 78627, 78628, 78630, 78641, 78642, 78645, 78646, 78651, 78660, 78664, 78669, 78673, 78674, 78680, 78681, 78682, 78683, 78691, 78703, 78705, 78708, 78709, 78710, 78711, 78712, 78713, 78714, 78715, 78716, 78717, 78718, 78720, 78722, 78723, 78724, 78726, 78727, 78728, 78729, 78730, 78731, 78732, 78733, 78734, 78738, 78746, 78750, 78751, 78752, 78753, 78754, 78755, 78756, 78757, 78758, 78759, 78760, 78761, 78762, 78763, 78764, 78765, 78766, 78767, 78768, 78769, 78772, 78773, 78774, 78778, 78779, 78780, 78781, 78783, 78785, 78786, 78788, 78789, 78799, Cedar Park TX, Leander TX, Austin TX, Round Rock TX, Mc Neil TX, Pflugerville TX, Georgetown TX, Liberty Hill TX, Spicewood TX, Weir TX, Walburg TX

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