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Rural Housing Loan Program:

Enjoy 100% Finance & 0% Down Payment with Rural Loans

Rural Housing Service (RHS)

The United States Department of Agriculture aims to help individuals and families with low and very low income realize the dream of affordable home ownership.


Enjoy 100% Finance & 0% Down Payment with Rural Loans in Houston

There is no home mortgage that matches rural loans in terms of the flexibility it offers. If you live in a designated rural area, at Clear Lending we would help you avail the benefits of this loan program. The United States Department of Agriculture aims to help individuals and families with low and very low income realize the dream of affordable home ownership. It has helped millions of people in rural areas with limited resources. Rural loans in Houston allow eligible borrowers to construct, rehabilitate or improve their dwellings.

Eligibility Requirements for Rural Loans

•Be a citizen of US, US non-citizen or other Qualified Alien
•Property must in designated rural area
•Have income less than 115% of the median income in the county
•Must occupy the dwelling as primary residence
•Must have the legal/financial capacity to incur loan obligations
•Shouldn’t be suspended or disqualified from participation in federal programs
•Establish will to timely meet credit obligations

Once the loan has been approved borrower may use the funds for the following purposes only:

•Purchase new or existing residential property for use as permanent residents. Fund the closing cost and use it for customary expenses for purchase
•Buy a site with new or existing dwelling
•Expenses on repairs and rehabilitation after the purchase of an existing dwelling.
•Refinancing existing home mortgage programs (eligible programs only)
•Structure modification, design alteration or installing equipment to accommodate member with physical disability.
•Expenditure on judicious and customary connection fees and assessments or pro rata installment cost on essential utilities including water, electricity, gas and sewer.
•Fund pro rata share of real estate taxes which are due at the time of loan closing. Also borrowers can allocate funds to establish escrow accounts for real estate taxes and/or hazard and flood insurance premiums
•The loan can be used to fund purchase of household equipment such as refrigerators, heating and cooling equipment, ovens, wall-to-wall carpeting. But all equipment purchased needs to be conveyed with the dwelling.
•Investment in energy efficient equipment such as solar panels, double-paneled glass and insulation. 
•Installation of fixed broadband lines that are conveyed with the dwelling
•Investment on site preparation, grading, foundation plantings, sod installation, seeding trees, fences, walks and driveways.


Wait no more if you want to purchase your dream home under rural loans program and want to know amount you are Pre-Approved for

At Clear Lending we shall take every measure to help you purchase or refinance an existing rural loan program. All that you need to do is fill the details in our simple yet secure encrypted Pre-Approval Form online and we shall review it and get back to you with the best options.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.


Customers Reviews:

  • Jorge Olivera • January 27, 2016

    Thank you so much Joan for all the hard work you put into getting me and my family our mortgage approval. We had a very pleasant experience with your team, very professional and prompt to help. Thank you much!

  • Claudia Diaz • February 07, 2018

    It was an amazing experience. My family and I are extremely thankful for all the hard work Joan and his team , above all Ms Elena and Ms Patricia. They all made our first time buying a home just as easy as it could be , even though my husband had to fix his credit. They told us what to do and what to work in order for us to improve his credit score . They fallowed us and Guided us for almost a year and then when we could be able to buy the process did not last a month . We were approved very quickly and the whole process was very fast , they work very fast and they work with you , they are an excellent team and I would recommend them 100% sure that they will do an excellent job helping you to buy the perfect house . Thank you so much , I am so deeply thankful.

  • Destiny Dscott • April 01, 2015

    Joan is a great loan officer. I couldn't have asked for a better person. I had one loan officer that felt like she couldn't get me approved. Joan stepped in and was effective and very assertive. He made sure I got approved!

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