Effective Conventional Home Loan, Bad Credit Mortgage Broker & Home Loan Agency 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 04/04/2020 and subject to change without notice."

Shopping For Mortgage Lenders in Spicewood

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 Spicewood. 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 Spicewood

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 Spicewood. Here are some great tips to help you on your journey to find the lender in Spicewood 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 Spicewood 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 Spicewood 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 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.
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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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    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 »


Benefits of taking a home loan in Spicewood

 Prodigy Lending is enthusiastic in developing a great relationship with our clients by offering outstanding services. We are esteemed to continue offering outstanding services in the lending market unlike other lenders in Spicewood. There are other mortgage lenders in Spicewood that disclosed personal details of a client to the public at Prodigy Lending, your personal information and documents are kept safe, secure and private. In case, your personal documents fall in the wrong hands, you may end losing valuable assets. We have been able to create a trusted name in the lending community. 

You can visit our website and have a look at our achievements. First and foremost, we have been awarded as the best-delivering services institution. We have held the award for seventeen years and this keeps us motivated to continue offering outstanding services in the lending market. We are also pleased to have been awarded as the top workplace in United States for eight years. No other mortgage lending institution has been an award for so many years amongst all the lenders in Spicewood. You can either reach us online or via a phone call and get directed to our mortgage lending team.

Prodigy Lending team will work with you until you secure a conventional loan program. The lending team brings on the table all loan programs that we offer with their requirements. They will first take you through the loan programs and then help you determine the best that caters for your needs fully. The amount to be paid as repayment is influenced by the mortgage interests applied on a loan installment. Therefore, you need to get a loan program that has very low-interest rates in regard to your monthly income so that you will have easy and manageable repayments terms. 

In case you have saved some considerable amount of money, you make a larger down payment to ease your repayments. If you have a bad credit report, the lending team will help you in rebuilding it by offering the relevant help. If you have a bad credit report, you will be subjected to a loan program with higher interest rates and have a hard time during the approval process. Bad credit report influences higher interest rate since Prodigy Lending and other mortgage lenders in Spicewood view you as risk as you can fail to hit your repayments dates. There are no lenders in Spicewood that are willing to lend clients who portray higher chances of default. 

If you eligible for a mortgage loan and have a very good credit rating, you will be able to secure a loan program with the lowest and the current rates in the market. At Prodigy Lending, you will get low-cost mortgage loans that can be used in buying a house or renovating a home to improve its value.

Contact us today for more loan information!

[expand title=”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[/expand]

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