First Time Home Buyer Austin

The Determined First Time Home Buyer Assistance, Expert Home Loan Consultant & Mortgage Specialist In Spicewood, 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 Spicewood 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 Spicewood, Texas


We here at Prodigy Lending Home Loans have been in this scene for over 17 years, which speaks volumes about our commitment to helping our clients buy their homes. We have within our team one of the best mortgage minds in the country, who burn candles at both ends to ensure that your mortgage needs are met. Here at Prodigy Lending Home Loans, we fully understand how important it is to get the perfect mortgage plan for your needs. That is why we work around the clock to ensure that we put a smile on the faces of our clients, as we hold them in high regard. We do not just offer you a home loan that you need, we do try to establish a long term relationship with you. Therefore, once you contact us, our mortgage professionals will listen to what you need, and tailor for you the perfect package. 

Conventional Home Loan 

One of the many home loan programs that we offer here at Prodigy Lending Home Loans is the conventional home loan. This home loan program has built a name for itself, owing to the low-interest rates and mortgage insurance costs than it attracts. This, therefore, helps you to save your resources, which you could use to run other errands. In addition, the conventional home loan demands a low 3% down payment and we do not charge for the lender fees, much to your delight. 

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 

In case you are a veteran or low-income earner living in rural areas, we here at Prodigy Lending Home Loans have tailored for you the best home loan programs that suit your interest. The good thing with both home loans is that they offer 100% financing as well as attract very low rates and mortgage insurance costs, thus enabling you to save. In addition, they have lenient guidelines that you need to surpass in order to qualify. The USDA home loan is particularly very popular amongst our clients, as we do not ask for any down payment for the home loan. 

Please contact us if you have any questions!


We also service the following zip codes and surrounding areas:
78613, 78620, 78630, 78641, 78645, 78646, 78654, 78669, 78726, 78730, 78732, 78733, 78734, 78735, 78736, 78738, 78749, Spicewood TX, Leander TX, Austin TX, Dripping Springs TX, Cedar Park TX, Marble Falls TX

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