All Government Programs
First-Time Buyer, Rural and Veterans Programs
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Starting with only...
500 Credit Scores!!!
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Contact us to analyze your options.
Don't worry and submit your information
We will help you.
Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
Foreign National Program without:
Residency, Social Security or Income in the US
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.
It was an absolute pleasure working with Clear Lending Home Mortgage! Joan and his team truly worked hard on helping me receive my dream home. As a first time home buyer I was unaware of the process and very unsure of what all it took to complete the process. After receiving constant let down and missed opportunities. I was on the verge of giving up until I spoke to Joan. He and his staff worked hard for me in closing on my first home in under 30 days, with an amazingly low interest rate. There was never a time I questioned Joan or his staff. I went into closing confident with no suprises.They were with me the entire process. Words cannot express how grateful I am of Clear Lending Home Mortgage. The level of professionalism and dedication to work hard for the home buyer is exceptional. I would recommend this company to anyone looking to purchase a home, they won't disappoint! Thank you Joan for everything, you made a dream come true!
FROM GOOGLE: We were first time buyers and did not know how much work it was when purchasing a new home but Joan went above and beyond to get us into our dream home. He educated us on the process, kept us up to date with our account, made himself available day or night if we had questions and was very patient with us. He made an experience that can be tiresome as smooth as possible. Our family is forever grateful for all his hard work and we will definitely refer him and this company to our friends looking to purchase a new home.
Thanks Joan, Patricia and Samantha for your amazing help making the purchase of my dream house possible. I really recommend Clear Lending and its team. I remember searching for local lenders who would lend borrowers with low credit scores and I found them. I read some reviews and realized some had been in my same situation. I applied and after 67 days I closed the purchase of the cutest house! They even helped me negotiate with sellers to get them pay all closing costs. Joan I am so thankful I will refer you everyone that is in need to buy a house. I will never forget what you and your team have done for me and my family. Thanks, thanks and thanks again!!!!