First Time Home Buyer Austin

The Educated Mortgage Specialist, Professional First Time Home Buyer Program & Down Payment Assistance In Hutto, 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 Hutto 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 the 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 »

  • 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 Hutto, Texas


We here at Prodigy Lending Home Loans fully understand how important it is to find the best mortgage deal for you. That is why we work our fingers to the bone, in order to ensure that we do not only put a smile on your faces but also a home loan with low rates. We have within our team one of the best minds when it comes to mortgages, and therefore you can always trust us in offering you just what you need. We take great pride in the 17 years that we have been in business, as it has helped us to fine-tune our services, to the delight of our clients. In case, therefore, you have been thinking of purchasing your first home in Hutto, all you need to do is give us a call, or contact us using the interactive tools on our website. 

Conventional Home Loan 

As a first time home buyer in Hutto, 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 

Another home loan program that we offer here at Prodigy Lending Home Loans is the FHA home loan or Federal Housing Administration as it is commonly known. Whenever you opt to go for the FHA home loan, you will have to pay a down payment of 3.5% which is low compared to other loans. In addition, this home loan program attracts very low-interest rates, which goes a long way in helping you save. As if that is not enough, the FHA home loan has very lenient guidelines, thus making it easy to qualify. 

VA and USDA Home Loan 

In case you are a veteran or a low and middle-income earner in Hutto, and you have desperately been looking forward to owning your first home, then count yourself lucky. This is because here at Prodigy Lending Home Loans, we offer specialized home loans for you. In case you opt to go for these loans therefore, you are assured of getting 100% financing while paying very low-interest rates and mortgage insurance costs. This, in turn, helps you to save on your resources. The USDA home loan even goes ahead in assisting you in paying down payments, as you do not need to pay a penny as a down payment.

Please contact us if you have any questions!


We also service the following zip codes and surrounding areas:
76530, 76573, 76574, 78615, 78621, 78626, 78627, 78628, 78634, 78651, 78653, 78660, 78664, 78673, 78674, 78680, 78681, 78682, 78683, 78691, 78717, 78727, 78728, 78729, 78731, 78752, 78753, 78754, 78757, 78758, 78759, Hutto TX, Round Rock TX, Pflugerville TX, Taylor TX, Georgetown TX, Mc Neil TX, Weir TX, Austin TX, Coupland TX, Walburg TX, Manor TX, Granger TX, Schwertner TX, Elgin TX

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