Effective Financial Institute, Mortgage Company & Home Loan Agency In Plano, 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 07/04/2020 and subject to change without notice."

Best Mortgage Rates in Plano 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

daily mortgage news courtesy of the texas mortgage pros
Home Mortgage Rates
Get up-to-date information on mortgage and real estate news including mortgage rates, processing, and refinancing.
  • Latest U.S. Mortgage News
  • Mortgage Rates are Updated Daily
  • Complete Consumer Mortgage News

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 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 »

  • apply for loans by The Texas Mortgage Pros
    Shareem W.

    Mr. Nicodemus is truly one of the best in the mortgage industry. He is well versed and extremely knowledgeable regarding… View more »

  • apply for a mortgage with The Texas Mortgage Pros
    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 »


Best Mortgages for the ideal customers in Prodigy lending company


About Us

Prodigy Lending is one of the best mortgage lenders in Plano dedicated to helping the local resident’s purchase homes with affordable mortgage loans. Our objective is to cut down mortgage loan costs and interest rates as much as possible so that an average low-income earner can have a chance at owning a home.

We have designed very good home loan packages to meet the needs of all categories of borrowers that come to us for funding. These are also supported by the best interest rates, lower than any offered by competing mortgage lenders in Plano. All these are handled professionally by a team of experienced and highly qualified mortgage consultants that are the pride of Prodigy Lending.

What are the Best Home Loans in Plano?

Federal Housing Administration Home Financing

    • Down payment floor rate at 3.5%
    • Flexible interest rates
    • Relaxed requirements
    • Property renovation loans
    • High threshold for Debt-to-income ratio 

Conventional Mortgage Loans

  • Negotiable Down payments to as low as 3%
  • Term options stretching from 10 to 30 years
  • A better PMI than on FHA loans
  • Favorable interest rates
  • Lenders don’t charge commissions

Veterans Home Loans

    • VA home loans attract 100% financing
    • Minimal closing fees and easy qualifications
    • No insurance premiums
    • The best Government loan in the market

USDA Suburban Home Loans

    • Fully financed 
    • Zero down payment
    • Low-interest rates and minimal insurance
    • Mandatory requirements for home location and income


When we receive and fund new clients, we stay by their sides helping them along the way as need arises. This is what has made Prodigy Lending, a preferred mortgage lender in Plano. We take care of you as though you were family keeping safe all your confidential information you have entrusted to us. Our integrity has earned us a good reputation among the mortgage lenders.

We urge you to make time and call our offices for some wonderful advice on home buying. You can also interact with our loan officers on our website at your convenience. Give it a try – It will change your life! 


Prodigy Lending Experts




For eight years, we have taken to the podium as the Top Work Place in the US and are not about to stop!

Get the Best Mortgage Loan at a Cheaper Cost

As a leader among the low-cost mortgage lenders in Plano, Prodigy Lending works hard at designing low-interest rates for clients besides offering our home loan products at very low cost. This is to make the overall cost of borrowing cheaper for the homebuyer encouraging many to take up home mortgage loans to purchase homes. We have a unique interest rate formula that you need to ask for a sample to see how it works with no obligation.

Feel free to contact us today for more loan information!


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