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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:

  • Atasha Alfred • October 03, 2017

    Joan is simply amazing! He truely cares about his clients and works day in and day out to ensure they are satisfied. We used a VA loan and despite the credit hiccups we have had in the past he was able to assist us and give us a better rate than was offered by other lenders. Joan showed us that mortgage lenders are people too and he really understood our circumstances and our need to be able to close soon after contacting him. He is simply the best and we would recommend him to anyone else using a VA home loan or any other type of home loan.

  • Nicole Elizabeth • June 05, 2015

    Joan was amazing! After being let down by Chase mortgage company, Joan and his team picked up the pieces and helped me out tremendously! I would recommend going through him for loans instead of a big commercial bank. No matter what time of day; he would answer any questions or reached out to me about any concerns. He is with you and the realtor every step of the way to help get you a home. Very passionate about helping clients get a home! I would like to thank Joan and his team for helping me get my first home! Y'all made the home buying process easy for me! Thank you again. I love my home.

  • Sharon Franco • January 21, 2016

    July 28th.... A very important day for someone at age 44. A huge change that was much needed but none the less, very difficult. After living in my previous home for 15 years and being with someone for 25 years, I found myself back at my Mom’s house and starting over. After wallowing in my sadness for a while, I decided to start looking for a new home for my young adult children, dogs and myself. Thankfully, a cousin had given me a number to a realtor that led me to Joan with Clear Lending. With all the difficult changes I also was in for a fight when it came to applying for a mortgage. Being naive to the process, Joan was very patient and helpful. Even when I felt hopeless, he reminded me constantly it would be okay and it was part of the process, I'm not sure but I think maybe a part of him was starting to see the difficulty I was facing. But one night, I received the best phone call in the world!! I was clear to move forward and close on my home. I thank God every day for putting the right people in my path to help in my new chapter of life. Thank you Joan and Clear Lending for working so hard on my approval for my mortgage.

     

    God Bless

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