Ambitious Bad Credit Mortgage Broker, Loan Agency, VA Home Loan Agency In McKinney, 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 08/03/2020 and subject to change without notice."

Shopping For Mortgage Lenders in McKinney

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 McKinney. 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 McKinney

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


    Loan Types rendered by Prodigy Lending company   


    If you are intending to buy a home McKinney, you definitely need someone to finance if you can’t save enough funds to enable you purchase your dream home.

    Typically, lending institutions gives you the money expecting you to repay it within the agreed upon period of time. This loan of course attracts some interest on top of the original loan amount. There are mainly two participants in the process who are the mortgage lender and the broker. As a borrower you can either choose to work directly with the mortgage lender in McKinney or as well find a broker to help you find a potential lender.

    If you don’t have much time or you have no clue of the mortgage market, you should obtain a mortgage broker. One of the importance of using a broker is that they understand the real estate business better than you do so they can help you mingle through the market. They may also be able to connect to variety of lenders, most who cannot be reached by the general public. Some of these mortgage lenders might only be working with broker offering the great discounts which you may not get if you did it yourself. However, it is important to know that brokers charge for their services.

    Factors considered by mortgage lenders.

    Best mortgage lenders in McKinney are concerned with your credit score history. They check on your debt report and determine the amount you can borrow. They also determine the source of your income to be sure if it can sustain your monthly payments. They scrutinize your bank statements and tax reports. Before choosing your mortgage lender, ensure that you keep you financial records in order. To avoid McKinney mortgage lenders asking for higher interest rate, check on your credit score and improve it before applying for a mortgage.

    Mortgage loan process.

    After preparing your financial statements, you can approach your potential McKinney lender and inquire the kind of home you are eligible for depending on your financial condition. You should search for a property that fall within your budget and that suits your requirements. When you find your best option apply for the house so that you can make payments. 

    Ensure that you get a copy of the agreement from your lender that states the money the mortgage lender is willing to finance you. Remember to complete the application process and give it out together with other documents as they may be required by your lender. If a mortgage application is valid, McKinney mortgage lender will give you a mortgage offer document meaning that your application has been accepted hence indicates the requirements needed for you to qualify for the mortgage loan.

    If you intend to buy a home, you should seek the services of Prodigy Lending team. This is a team of professionals all over the United States giving out best mortgage deals at affordable prices and reasonable terms.

    Contact us today for more loan information!



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