Capital Home Mortgage Houston

Houston USDA Home Loans

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Houston USDA Mortgage Lender

USDA Home Loans are available for Houston residents looking to buy a property in a rural region. These loans are fully financed with zero down payment, low rates, and no cap on seller concessions. The “United States Department of Agriculture,” also known as USDA, manages rural housing initiatives. The USDA Home loan program aims to make it easy for borrowers to become homeowners in rural areas at a reasonable price.

It’s crucial to realize that the USDA offers two different kinds of loans. The USDA direct home loan is underwritten by the USDA and provided for very low-income customers, as well as the USDA-Guaranteed home loan program that guards the lenders against loss in the event of foreclosure. Simply put, the USDA insures a percentage of the loan, usually in proportion to a down payment. Homeownership is now more feasible in small-town America because of this guarantee, which permits 100% mortgage loans.

Four criteria are used to determine USDA Home Eligibility: credit score, monthly income, monthly debt payments, and the home’s location.

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

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Control of the Loan from the Application to Funding.

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

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Benefits of a Houston USDA Loan

  • Guaranteed by 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
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • 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 Houston Mortgage Programs

Houston Texas Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Loan Officer
NMLS 882260

Kelly Cameron

Loan Officer
NMLS 178093

Dale Gremillion

Managing Director
NMLS 210325

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