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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.

No home mortgage matches rural loans in terms of the flexibility it offers. If you live in a designated rural area, at Clear Lending, we will help you avail the benefits of this loan program. The United States Department of Agriculture aims to help individuals and families with low and meager incomes realize the dream of affordable homeownership. 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 a designated rural area
•Have income less than 115% of the median income in the county
•Must occupy the dwelling as a primary residence
•Must have the legal/financial capacity to incur loan obligations
•Should not be suspended or disqualified from participation in federal programs
•Establish will to timely meet credit obligations

Once the loan has been approved, the 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 the purchase
•Buy a site with new or existing dwelling
•Expenses on repairs and rehabilitation after the purchase of a present residence.
•Refinancing current home mortgage programs (eligible programs only)
•Structure modification, design alteration, or installing equipment to accommodate members with a 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 hazard and flood insurance premiums
•The loan can be used to fund the 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 related to the dwelling
•Investment on-site preparation, grading, foundation plantings, sod installation, seeding trees, fences, walls, and driveways.


Wait no more if you want to purchase your dream home under rural loans program and want to know the 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 secure yet straightforward 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:

  • Janeka Gilliam • November 25, 2018

    FROM GOOGLE: My experience with Joan and his team was absolutely WONDERFUL! They are all great at what they do! Joan is the best there is, no lie! He really knows the business & the entire process inside and out. He makes the entire process from beginning to close, easy for you! After being told by lender after lender that my husbands credit score was not high enough for a low rate, and being quoted these ridiculously high rates, we were exhausted with the whole thing and about ready to give up. But, then I ran across Clear Lending and Joan told us that was no problem and offered us the best rate that no other lender would even think of offering! From day one, he was available anytime I needed him, & he never made me feel like I was bothering him. He always had time and answered every question that I had. Joan is honest, to the point, & very helpful! I would definitely use him & his team again, and I highly recommend Clear Lending to anyone who wants to buy a home! They are truly the BEST!!!

  • Martha Murcia • November 10, 2018

    FROM GOOGLE: There’s only few people out there that would go ABOVE and BEYOND for a Customers needs! Words cannot express my deep appreciation for having found Joan Gallardo! Let’s just say, I was on the verge of loosing a big financial investment, I was dealing with a Lender that put me in a big financial strain as they kept delaying my closing date, I had zero confidence with the Lender and decided to find another source! I literally was expecting only a Miracle from above as at this stage of my loan I had less than 3 weeks to close on my home. When I say Joan was Godsend it’s a definite and true statement! I explained my situation to him in the hopes of a lender closing my loan with such short notice! Joan diligently worked on my loan day and night to meet the deadline! Who does that?!! No one really but Time was no barrier for him! 1am, 2am it didn’t matter, he worked on it! He almost even drove to the Lender I was using office location! I’ve never known someone as dedicated to their customer! I gave Joan a deadline of 10/31! Honestly I only expected a miracle to meet the deadline! Well thank God I’m overwhelmed and HAPPY to say today 10/31 I received my final closing docs and I’m a homeowner!! Please take my experience with Joan for anyone out there looking for a Lender or even a real estate agent JOAN GALLARDO is your Guy! He cares for his customers is dedicated and will do Everything in his willpower to get you into a house! Don’t settle for any promises of lenders out there! Do your due diligence first don’t fall into a situation as mine. I was thankfully blessed with an Amazing Loan officer and please be assured he will take care of all your needs or questions during your home loan and or home search process. I’m so grateful to have found him. If you need a home loan NOW, a prompt and highly knowledgeable loan officer contact JOAN GALLARDO!!

  • Gerardo & Brenda Olivares • May 07, 2014

    Joan,

    Thank you SO much for all of your help! You were very patient with us and made sure we understood every step of the way. We never thought we would be able to find our perfect home this soon! We are still in shock how fast you’ve worked and how you were looking out for OUR best interests and not the other way around.

    Thank you for caring in what you do, it really makes a difference when you’re working with someone that really cares and enjoys what they do. Thanks again! We will definitely make sure to send anyone looking into a home your way!

    Gerardo & Brenda Olivares

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