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Brad Lynch
RMLO NMLS 206799
c: (469) 450-2723
o: (972) 537-0665
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700 State Highway 121 Bypass, Suite 150
Lewisville, TX 75067
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Down Payment Assistance

Home Mortgage Loan Special Programs

There are several programs available for homes located anywhere in Texas that provide funds for down payment and/or closing costs. This assistance comes in the form of grants which do not have to be repaid and/or second liens which must be paid in full when the home is sold or refinanced. The interest rates are fixed for 30 years. These programs have restrictions based on your family income, family size and the County you are purchasing in. Not all of the programs require that you be a first time homebuyer.

HEROES/EDUCATORS

Home Loan Programs provide a FHA loan to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance, up to 5% of the mortgage loan amount, in the form of a grant.

To be eligible for this program, a homebuyer must be of a specific group:

  • Homes for Texas Heroes: A full-time paid fire fighter, peace officer, corrections officer, juvenile corrections officer, county jailer, EMS personnel, or public security officer
  • Professional Educator: A full-time Texas classroom teacher, teacher’s aide, school librarian, school nurse, school counselor, or an allied health or nursing faculty member

CURRENT, PREVIOUS, OR FIRST TIME HOMEBUYER(S)

There are home loan programs available that offer competitive interest rates to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance in amounts ranging from 4% to 5% of the mortgage loan in the form of either a second lien or a grant. Eligible borrower(s) must meet the programs income limits and guidelines.

MORTGAGE CREDIT CERTIFICATE (MCC)

With an MCC, the qualified homebuyer is eligible to take a portion of the annual interest paid on the mortgage as a special tax credit, up to $2,000, each year that they occupy the home as their principal residence. An MCC has the potential of saving the homebuyer thousands of dollars over the life of the loan.

The program is open to those individuals and families who:

  • Meet income and home purchase requirements
  • Have not owned a home as a primary residence in the past three years
  • Meet the qualifying requirements of the mortgage loan
  • Will use the home as their principal/primary residence

The MCC is a non-refundable tax credit, therefore, the Homebuyer MUST have a tax liability in order to take advantage of the tax credit.

For more information on special programs, please contact your Premier Nationwide Lending Home Mortgage Loan Expert.

* Loan programs are subject to credit and property approval. Other guidelines may apply.

Residential Mortgage Loan Originators

Brad Lynch started as a loan officer in 2002 helping the families of Dallas and North Texas area find the right financing for their needs, whether purchase or refinance. After working during the times of subprime mortgage and seeing the industry begin to change, Brad began to consciously change the way he did business to keep up with the changes that were taking place within the industry. During the years of 2008 and 2009, Brad and his business partners converted from the traditional Broker style of business to the new “evolved broker” that is become the most popular platform of loan origination in the industry outside of local retail banks. After making a couple stops to gather experience in the new styles of mortgage origination during those years, Brad settled at Premier Nationwide Lending in 2010, and has called that home since.


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

Wondering how much you can finance?

Testimonials

My wife and I wanted to drop you a quick note to say we sincerely appreciate everything you did to get us through the refinance of our home in Frisco. We love our home and love the neighborhood we live in. We now have one of the lowest interest rates in history on a 30 year loan which saves hundreds each month, thousands each year and well over $100,000 over the course of the loan!!! Can’t thank you enough. You were able to navigate us through the labyrinth of new requirements, documentation and get us locked in before rates started going up… and they did, just like you predicted. I know you went even further by taking care of additional aspects of the refinance process (such as the rider) which saved us even more money at the closing. That is something I have not seen before; to us it means you do care we get the best service and that is something we won’t forget. You obviously be our loan officer of choice from this point forward and who we recommend to all our friends and coworkers.

Doug & Sherry F.

Thank you so much for all your help in buying my first home. You were always there to answer all my questions no matter what time it was. I know that you had my best interests at hand at all times. I am so glad Tiffany referred me to you! I will continue to recommend you to everyone! You made the process so easy compared to what I have heard from others with other lenders. You were amazing!!!!! Thank you for making my dream come true!!!

Stephanie

When I closed on my loan my closing agent told me that though they deal with lots of divorces, they don’t see Owelty refinancing that often. My agent said they are a great tool to divide property, but lots of mortgage brokers don’t seem to know much about them….NOT BRAD. Thanks for the great service!

James

My wife and I recently purchased our first home, and being new to the game, needed some “hand-holding.” Brad was extremely knowledgeable and eager to help out it any way throughout the process. I especially appreciated Brad taking time to explain elements of the mortgage process in detail so that I was confident in the decisions I was making and aware of potential hiccups before they happened. I would confidently recommend Brad to anyone looking for a trusted adviser to help navigate the mortgage process.

Allan M.

Words cannot describe how grateful we are to you. Being able to complete our mortgage process and close out our loan in less than 30 days was a miracle! For the first 45 days of our mortgage process with a different lender was a nightmare to say the least, both Chad and I were constantly confused and left in the dark. Once we had to restart our process with you we felt like your only clients and you took time to answer all of our questions and lead us through the process, which is very important for first time home buyers like ourselves. We will refer as many people as possible to you, you were amazing. Thank you so much for helping get our family into our first home.

Chad, Tiffany, Liam, & Lilian H.

He’s very Professional, quick response to emails, and always on top of things. I highly recommend Brad. He’s a great guy and even better mortgage broker. Most importantly 1) He is always available (he always either answered my call or returned the call within “minutes”. 2) He over-discloses everything. I mention that because I talked to many other mortgage brokers before Brad, and they all withheld important information that Brad disclosed. He got me the BEST RATE and LOWEST FEES as I demanded. I assure anyone deciding whether or not to choose Brad should do so with my guarantee that he will deliver.

Ken

I want to let everyone know that Brad is a man of his word and works his butt off for you. I was recently divorced and I got the house in the divorce. I needed to refinance the mortgage, Home equity line of credit, and an Owelty lien. I live in Houston and I was trying to get all of the above mentioned into one refinance. Everyone I met with here in houston and others like Lending Tree said they could do this no problem. However they did not understand the the Texas laws regarding Owelty Leins. So after multiple attempts that failed to go through I found Brad on an internet search. Brad was the first person that made me feel comfortable and was the most knowledgable with Owelty. He was there for me with any questions/and concerns I had. He was also honest with me in every step of the process. It was a long frustrating process to complete my refinance but in the end due to Brad’s hard work it was completed. He is definately my mortgage guy for life now!!! Thanks Brad for everything!

Gerry B.

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