Capital Home Mortgage Beaumont

Beaumont USDA Home Loans

Beaumont USDA Mortgage Lender

Beaumont USDA Home Loans

Whether you want to live the country life or are looking for an opportunity for a city escape, our USDA home loans in Beaumont can be the key that opens up all sorts of possibilities. This loan is issued through the USDA Rural Development Guaranteed Housing Loan Program by the United States Department of Agriculture, which helps low to moderate-income buyers purchase homes in designated rural areas. It also provides 100% financing, meaning you don’t need a down payment to qualify, plus it offers low-interest rates and monthly payments with various repayment options.

If you think a Beaumont USDA loan might be right for you, Capital Home Mortgage can help. We’re the mortgage experts in the Beaumont area and have helped many people like you finance their dream homes.

USDA Home Loan Requirements

If you’re looking for a way to buy your dream home but don’t have the cash flow necessary with other financings currently available, USDA loans might be right up your alley. These come with stricter requirements than most loan programs because they are 100% funded.

A few conditions must be satisfied for the USDA home loan in Beaumont. First, your credit score must be 640 or higher. There are also stringent requirements in income or Area Median Income levels which can make residing outside those boundaries difficult to achieve eligibility status.

You must also meet the citizenship requirements:

  • U.S. citizen or permanent resident
  • non-citizen national
  • qualified alien agreeing to make the property intended to purchase a primary residence

Besides these citizenship requirements, you must also have an income that does not exceed 115% of the AMI and have stability in employment history.

The USDA also requires that borrowers be unable to get a conventional loan without mortgage insurance, and they also need documentation proving this inability. Unfortunately, your application will be denied if you’re suspended or debarred from joining federal programs.

Furthermore, the property you must purchase must be in one of USDA’s designated areas for rural homes. You must specifically be purchasing a single-family dwelling unit, and it needs to meet all requirements set by the U.S. Housing and Development standards.

Limitations of a USDA Loan

While some incredible benefits come with this type of loan, it’s also essential to be aware of the limitations.

First, this loan only comes with a 30-year fixed rate and can be complicated for homebuyers who want lower rates. Second, it provides 100% financing of the property’s appraised value.

Most importantly, you should also know the limitations of using your loan proceeds. Your funds will only be used for certain things, such as:

  • buying a new or existing house as a permanent residence
  • refinancing
  • purchasing essential household equipment
  • repairing existing dwelling
  • attending to construction site preparation costs

Get a USDA Home Loan in Beaumont

If you think a USDA loan might be right for you, the first step is to get in touch with our team at Capital Home Mortgage. We’re experts on Beaumont USDA home loans and can help you enjoy an easy and seamless process thanks to our combined years of experience and the fact that we’re direct mortgage lenders. 

Give us a call at (409) 242-5530 today to get started. 

Why Beaumont HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Beaumont Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Beaumont USDA Mortgage Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Guaranteed by US Depart of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • New Manufactured Home Only
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Texas renovation home loans

Looking to Rehab a Texas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Texas FHA Home Loans

Great for 1st Time Texas Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Texas VA Home Loans

100% Financing for Texas Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Texas Conventional Home Loans

Flexibility for Texas Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Texas Jumbo Home Loans

Texas Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Texas USDA Home Loans

100% Rural Texas Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Texas Native American Home Loans

Texas HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Texas Manufactured Home Loans

Great Alternative Texas Housing

Texas reverse mortgages

Your Texas Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Texas Non QM Home Loans

Making Texas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Texas One Time Close mortgages

Build Your Texas Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Texas Refinance Mortgage Loans

Texas Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Texas Cash-out Home mortgages

Texas Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Beaumont Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Beaumont Mortgage Company Reviews

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