Richland Springs, TX First Time Homebuyer
Hundreds of first time homebuyers across Richland Springs, TX are ready for home ownership. Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help first home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying challenges presented by 2024 Richland Springs mortgage guidelines. Our mission is to get you approved and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for the home of your dreams.
- Secure a loan and purchase your new home!
First Time Homebuyer Options
First time homebuyers in Richland Springs, TX have so many options. With a CONVENTIONAL or FHA mortgage, borrowers can buy with as little as 3% down. For those who still lack the down payment check out our First Time Homebuyer Grant. For Veterans (VA loan) or those looking to buy in rural areas (USDA Loan) we have no money down options. New Alternative mortgage programs in 2024 give homebuyers the option to qualify even with bank statements. First time homebuyer experts are standing by near Richland Springs, TX and ready to help. Connect with a licensed first time homebuyer specialist, ask questions, see if you qualify, and get free quotes. Call (888)416-0920
Mortgage Brokers near Richland Springs, TX
When it comes to Richland Springs, TX home loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Richland Springs Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920.
A Richland Springs, TX Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Richland Springs can work with all types of credit scores.
Working around Credit Issues with Top Rated Specialists
The Richland Springs home mortgage team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with first time home buyers. We navigate consumers through the mortgage process, explain options and find what choice works best for you.
Get on the Path to Home Ownership. We got your Back!
First Home Buyers Richland Springs, TX
Get Pre-Qualified Now
First Homebuyer Benefits in Richland Springs, TX
- Little to no money down
- Wholesale mortgage rates
- Bruised credit excepted
- Bankruptcies, Foreclosures, Short Sales Okay
- Grants for down payment
- Gift Funds Allowed
Find your First Home Loan near Richland Springs, TX (888)416-0920.
Richland Springs is a town located in San Saba County. The population was 338 in 2010.
Richland Springs developed in the nineteenth century as a supply and processing center for local cotton growers and cattlemen. Jackson J. Brown and his family settled near the springs on Richland Springs Creek (then known as Richland Creek) in December 1854 and were soon followed by the Tankersley and Duncan families. A private fort, Fort Duncan, was established near the springs in the late 1850s when trouble arose with Indians on the frontier, but it apparently fell into disuse shortly thereafter. The Brown School was constructed in 1868 and named for the neighborhood’s original settler. The area attracted settlers through the 1870s, and in 1877 a Richland Springs post office opened in the store of Samuel E. Hays. The community took its name from the nearby springs and from local enthusiasm for the agricultural promise of the region. By 1890 local production of cotton, grains, and livestock supported a settlement of 150 residents, including a justice of the peace precinct, a constabulary, and several commercial and craft businesses. A local newspaper, the Eye-Witness, began publication in 1905. Not long after, the First State Bank was organized, and in 1911 completion of a trunk line for the Gulf, Colorado and Santa Fe Railway linked the town with the main line between Galveston and Amarillo. Richland Springs incorporated in 1932 and adopted a mayor-council form of city government. With a population nearing 500 and as many as forty businesses, the town prospered until the onset of the Great Depression. World War II reversed the decline of the 1930s, and by the early 1950s residents numbered 600. The number of businesses still had not returned to predepression levels when a three-year drought in the mid-1950s crippled the local economy again. The town’s only bank failed, and within a decade its residential and business populations had fallen by nearly half. An uneven recovery from the nadir of the 1960s was based on the production of local fruit and nut growers. In 1982 the town reported 420 residents and five businesses; by 1986 the number of businesses had risen to eight. In 1990 the population was 344. The population was 350 in 2000.