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Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
USDA Rural Development’s Section 502 Direct Loan Program provides a path to homeownership for low- and very-low-income families living in rural areas, and families who truly have no other way to make affordable homeownership a reality.
USDA Home Loan Program in Houston, TX could be your solution.
USDA Rural Development provides a path to homeownership for low- and very-low-income families living in rural areas, and families who truly have no other way to make affordable homeownership a reality.
Eligible applicants may build, rehabilitate, or improve a dwelling in a suitable rural area. Borrowers seeking a USDA Home loan program in Houston have to meet the following criteria:
• Meet income-eligibility
• Agree to occupy the dwelling as their primary residence
• Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien
• Have the legal capacity to incur the loan obligation
• Have not been suspended or debarred from participation in federal programs
• Demonstrate the willingness to meet credit obligations on time
• Purchase a property within an eligible area.
Get today's lowest mortgage rates.
Upon loan approval borrower may use funds for:
• New or existing residential property to be used as a permanent residence. The transaction may include closing costs and reasonable/customary expenses associated with the purchase.
• A site with a new or existing dwelling.
• Repairs and rehabilitation when coupled with the purchase of an existing home.
• Refinancing of eligible loans.
• Special design features or permanently installed equipment to accommodate a household member who has a physical disability.
• Reasonable and customary connection fees, assessments or the pro rata installment cost for utilities such as water, sewer, electricity, and gas for which the buyer is liable
• A pro-rata share of real estate taxes that is due and payable on the property at the time of loan closing. Funds can be allowed for the establishment of escrow accounts for real estate taxes and hazard and flood insurance premiums
• Essential household equipment such as wall-to-wall carpeting, ovens, ranges, refrigerators, washers, dryers, heating and cooling equipment as long as the equipment is conveyed with the dwelling
• Purchasing and installing measures to promote energy efficiency (e.g., insulation, double-paned glass, and solar panels)
• Installing fixed broadband service to the household as long as the equipment is conveyed with the dwelling
• Site preparation costs, including grading, foundation plantings, seeding or sod installation, trees, walls, fences, and driveways.
Don't wait any longer and find out how much loan you can get Pre-Approved.
Whether you are considering purchasing or refinancing an existing USDA mortgage loan, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.
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.
I highly recommend Joan. I reached out to Clear Lending because I was not receiving information and good customer service from the first mortgage company I reached out to. Joan was extremely professional,informative and patient. He spoke to me for over 45 minutes and answered so many questions that I had as a first-time home buyer. I was looking for the Michael Jordan of mortgage brokers and Joan at Clear Lending is exactly that! He definitely cares and works very hard To help his clients in any way that he can.
I wanted to buy a second home, without having to sell my primary home in Florida. I had originally contracted another mortgage broker to help me secure a loan. I spent so much valuable time with this broker only for her to tell me that I could not obtain any financing unless I sold my house in Florida. I was so frustrated with the original broker that I decided to look online for another mortgage company. I found Clear Lending. OMG talk about professionalism, knowledgeable, and the dedication Joan from Clear Lending, and his staff that in 3 months I had a new home in Texas, without selling my home in Florida. The best part of this that under the Clear Lending umbrella I was able to get my mortgage and Real Estate agent under one roof.
Joan:
Thank you so much for all your hard work to make this loan a successful ending. You know this is not my first house, but my family and I are very grateful. I am not a first time home buyer, but we are very excited to be a home owner again. I thank you from the bottom of my heart once more for making this possible. Yes, I will definitely refer anyone who comes to me for the inquiry. I will never forget you Joan and Nathalie for what you have done and how hard you worked to make my dream come true. You are very efficient and professional. I am glad that you are my loan officer. Thank you very much once again.
Sincerely,
Jeffrey Rodriguez
