Effective Conventional Home Loan, Bad Credit Mortgage Broker & Loan Agency In Leander, 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 12/15/2019 and subject to change without notice."

Shopping For Mortgage Lenders in Leander

The process of buying a home can be one of the most exciting times in someone’s life. It is the beginning of a new stage in life, whether it is buying your first home to raise a family in or buying your retirement home to enjoy your retirement. On the flipside of this excitement, there can be a lot of stress and work involved.

One of the most important parts of this process is shopping for the right mortgage lenders in Leander. You have to find a lander that is going to be able to offer you what it is that you are looking for.

4 Tips To Help You Find The Right Mortgage Lender in Leander

Shopping around for the right lender is like shopping around for anything else. There are certain things that you are going to want to look at, and for, when you are considering different mortgage lenders in Leander. Here are some great tips to help you on your journey to find the lender in Leander that is right for you.

  1. Compare Rates. Different lenders are going to operate with different interest rates. You should take the time to figure out what is average for your particular market and what other lenders are offering as rates.
  2. Customer Service. Applying for a mortgage is a difficult process. You want a lender that is going to be there and available to answer any and all questions. You want a lender that is going to be easy to work with and easy to communicate with. Customer reviews can be a great place to start for this.
  3. Options. Different lenders offer different types of loans, features, and flexibility. You want to look into what different lenders offer to their customers. This can really help you to narrow down the list of the right mortgage lenders in Leander for you.
  4. Fine Print. You will want to take the time to look at particular lenders loan requirements, fees, and costs other than the interest and principle.

Taking the time to do the research is going to really pay off for you in the end. It will help you eliminate and include different lenders that you may not have considered before embarking on your research.

There is no reason to rush this process. Finding the right mortgage lender in Leander can make a huge difference in your home buying experience. Make sure you have a good grasp on what it is that you are looking for in a lender because this will really help you narrow down your list to the right lender to work with.

Best Mortgage Rates in Leander 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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“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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Our goal is to provide you with the best customer service possible.

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    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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    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 »

 

Features of a VA home loan in Leander

The mortgage industry has very many loan options to choose from. A VA home loan is one of these options. It is offered by various mortgage lenders with Prodigy Lending being one of them. Some offer it specifically, while others have incorporated a VA home loan in their wide product range. Seeing that there are many lenders offering it, a lot of thought has to come in selection. This is to ensure that you only pick the best mortgage lender. A VA home loan has some traits that differentiate them from other products. These are what will determine whether or not it can suit your specific needs. For an in-depth understanding, below are some features of a VA home loan in Leander:

  1. Has government involvement – it is government-sponsored through the Department of Veterans Affairs. Owing to this, a mortgage lender can only offer it if they have been approved by the VA. Most lenders shy away from offering it due to the strict guidelines emphasized upon. However, these guidelines are aimed at ensuring that you don’t get taken advantage of. 
  2. Applies to a certain group only you can only receive this loan as a militant. If you don’t fall under this category, approval will not be granted. If you do, there are still some requirements that must be met. For instance, you must have been in service for a specified period. This means that you can be a militant and still fail to qualify.
  3. No-down-payment – this means that you don’t have to make any prior deposit. On approval, you will acquire a fully financed home. This is unlike other loan types such as FHA which requires a 3.5% down-payment. However, it is important to understand that the no-down-payment requirement may result in higher interest rates for you. If you have a payment ability regardless, do so as this will definitely lead to attractive interest rates.
  4. Easy to qualify – the ease to qualify is as a result of less emphasis on your credit and income details. You will not be rejected for a low credit score or income. This is because a VA home loan comes with the government’s guarantee. As a result, if you fail to repay, your lender will still receive compensation from the VA. 
  5. No mortgage insurance – insurance is mostly paid when a borrower fails to complete their down-payment. In this case, you will not have to pay mortgage insurance. This is because down-payment is not required. It is, therefore, evident that with a VA home loan, you will not spend lots of money.

As stated above, these features will help you determine whether or not a VA home loan is your best choice. Don’t agree to it without understanding all these features.

Contact us today for more loan information!

 

 

 

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