Traditional & Government Loans
Conventional and government-backed financing for homebuyers with strong credit and W-2 income.
Conventional fixed rate mortgages are traditional home loans not backed by government agencies, featuring interest rates that remain constant throughout the loan term.
Learn more →Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time and low-to-moderate income borrowers achieve homeownership.
Learn more →VA loans are exclusive benefits available to eligible veterans, active-duty service members, and surviving spouses, backed by the Department of Veterans Affairs.
Learn more →USDA Rural Development loans are government-backed mortgages designed to promote homeownership in eligible rural and suburban areas, as defined by the United States Department of Agriculture.
Learn more →First-time homebuyer loans are specialized mortgage programs designed to assist individuals purchasing their first home or those who haven't owned a home in the past three years.
Learn more →Purchase mortgage loans are financing products specifically designed for buying residential properties, available in various formats including conventional, government-backed, and specialized loan programs.
Learn more →Home Refinance Loans, also known as refinancing, involve replacing an existing mortgage with a new one, typically with different terms or interest rates.
Learn more →Construction loans provide short-term financing for building new homes or major renovations, typically lasting 6-12 months during the construction phase.
Learn more →Down Payment Assistance (DPA) programs are state, local, or nonprofit initiatives that provide financial support to help qualified homebuyers cover down payment and closing cost requirements.
Learn more →Let's Find Your Fit
A dedicated loan officer will match you to the right program.
Secure & Confidential • Quick Process • No Obligation
Get Started With Traditional & Government Lending
Ready to get started? Our licensed team makes the process simple. We compare your options and explain each one in plain language. There is no pressure and no obligation.
Why families choose our traditional lending
We match your profile to conventional, FHA, VA, or USDA guidelines and explain why the winner wins — in plain English, with the runner-up shown for contrast.
From pre-qualification to keys, one loan officer guides your file and translates every milestone before it happens.
We proudly serve homebuyers, homeowners, and investors across Texas. Our office sits at The Star in Frisco. We are fully licensed under NMLS #2692844. Above all, we want to help you make a confident, well-informed decision.
Have a question before you begin? We are happy to help. Reach out today and a friendly loan officer will walk you through the next steps.
Also, you can review independent tips from the Consumer Financial Protection Bureau. When you are ready, request your free quote today.
Frequently Asked Questions
What is the difference between FHA, VA and USDA loans?
All three are government-backed programs made by private lenders. FHA is insured by the Federal Housing Administration and is open to most buyers. VA is guaranteed by the Department of Veterans Affairs for eligible service members and veterans. USDA supports purchases in designated rural and small-town areas. Eligibility, not preference, usually decides which applies.
Is TPRG Capital a government agency?
No. TPRG Capital is a private mortgage broker licensed in Texas. We arrange loans through private lenders under programs that federal agencies insure or guarantee. We are not affiliated with, endorsed by, or acting on behalf of any government agency.
Do government-backed loans take longer to close?
Not inherently. They carry specific appraisal and property standards that a conventional loan does not, so a property that fails those standards can add time. Knowing the requirements before you write an offer is what prevents delays.
Can I use a government-backed loan for an investment property?
Generally no. FHA, VA and USDA programs are built around owner occupancy. Investors are better served by our DSCR and Non-QM programs, which qualify on the property or on alternative documentation.
Which program should I choose if I qualify for more than one?
It depends on your down payment, your credit profile, how long you plan to hold the property and the property itself. There is no universally better program. We will lay out the structures side by side so the trade-offs are visible before you commit.
TPRG Capital · (972) 679-1613
Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844
5 Cowboys Way, Suite 300, Frisco, TX 75034 · Licensed in Texas · Equal Housing Opportunity
This content is for general information only and is not a commitment to lend or an offer of specific terms. Program guidelines, qualification requirements, and terms are subject to change without notice. All loans subject to credit approval.