Capital Home Mortgage Stephenville

Stephenville USDA Home Loans

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Stephenville USDA Mortgage Lender

Stephenville USDA Home Loans are mortgages for Stephenville 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 Stephenville is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Stephenville Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Stephenville Customer Service

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

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

Benefits of a Stephenville USDA Loan

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
Home Purchase
Save Today
Have Questions?
USDA Home Home Lender

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

Not Sure? Take a Look at Other Stephenville Mortgage Programs

Stephenville Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

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