Capital Home Mortgage Texas

Texas USDA Home Loans

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Texas USDA Mortgage Lender

Texas USDA Home Loans are mortgages for Texas buyers purchasing homes in a rural area. These loans are 100% financing zero down with low rates and no limits on seller concessions. USDA Stands for “United States Department of Agriculture” which supervises the rural housing programs. The USDA Home loan directive is to provide borrowers with affordable homeownership in rural communities with little out of pocket costs.

It is important to understand that the USDA offers two types of loans.  The direct where the USDA underwrites and provide the financing, reserved for very low income buyers, and the guarantee loan that protects the lenders from loss in the event of foreclosure.  In simple terms the USDA insures a portion of the loan typically in relation to a down payment.  This guarantee allows for a 100% mortgage loan making homeownership more accessible in small town America.

The USDA Home Eligibility is determined by four factors: credit score, monthly income, monthly debt obligations and the geographic location of the property.

To find out if you meet the income requirements or if the property is eligible, please use the links to access the USDA eligibility website.

Why Texas is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Texas Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Texas Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Texas Mortgage Rates

Capital Home Mortgage Texas is dedicated to offering Great Texas Mortgage Rates.

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Benefits of a Texas USDA Loan

  • Guaranteed by the US Department of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Maximum on Loan Amounts
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value with Restrictions
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled into the Loan
  • New Manufactured Home Only
Don’t worry if the property or your income does not meet the USDA Home Loan requirements.  There are other federal mortgage loan programs that are available. Loan officers available 7 days a week to discuss options.
Not Sure? Take a Look at Other Texas Mortgage Programs

Texas Mortgage Team

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Ron Ireland

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John Kardow

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Amy Bird

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