Texas USDA Mortgage Lender
Welcome to Capital Home Mortgage Texas, where we strive to provide rural Texas homebuyers and homeowners Texas USDA Home Loans at competitive Texas USDA Mortgages Rates with low fees while providing outstanding customer service.
To begin we’d like to thank you for the giving us the opportunity to earn your business. We understand that purchasing a rural home comes with different challenges and concerns. That is why Capital Home Mortgage Texas offers dedicated USDA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing. After all, buying rural dream home should be exciting.
Capital Home Mortgage Texas is a direct Texas USDA Mortgage Lender that manages the entire lending process. Our in-house processing and underwriting enables for quick, common sense approvals, which then moves quickly through the final USDA approval. As a direct USDA lender we have complete control over everything from the application to the funding.
Call today (800) 960-4565 to speak to a Texas USDA Loan Officer.
Texas Rural Real Estate Market
Texas is known for its large and diversified landscape, which includes plains, deserts, woodlands, and coastal areas. The rural real estate market reflects this diversity by providing a diverse range of property types, such as farms, ranches, and recreational sites. Agriculture, which includes ranching, farming, and forests, accounts for a large portion of Texas’ rural territory. Soil quality, water availability, and climatic variables all have an impact on the agricultural land market.
Texas is home to a number of ranches that cater to those interested in livestock, equestrian sports, and hunting. Ranch residences range in size and amenities, enticing buyers seeking a rural lifestyle. The state’s diverse landscape appeals to those looking for leisure properties. These could include land ideal for hunting, fishing, hiking, and other outdoor activities.
Land prices in Texas can vary greatly depending on location, proximity to urban areas, and type of land. The Texas A&M Real Estate Center and local real estate associations can provide information about land pricing and trends.
Access to water is an important factor in the Texas rural real estate market. Properties with consistent water supplies, such as wells, rivers, or lakes, may be more appealing. Certain rural locations in Texas may be impacted by oil and gas activities. The existence of energy-related industries can have an impact on local economies and, in certain situations, property values. Texas sees a combination of land development and conservation measures. Balancing expansion and conservation can have an impact on property values and the availability of specific types of rural land.
Real estate market trends might differ by region. Some areas may flourish as a result of population migration, but others may confront economic issues.
To obtain the most accurate and current information, speak with local real estate agents, appraisers, and land specialists who are familiar with the rural property market in the desired location. Keep in mind that Texas is a huge and diverse state, and conditions in the rural real estate market can vary greatly by location.
Texas usdA Home Mortgage Loans
Texas USDA Home Loans are mortgages for Texas buyers purchasing homes in a Texas 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 Texas USDA Home loan directive is to provide Texas 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 Texas.
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. Call today (800) 960-4565to speak to a Texas USDA Loan Officer.
Texas 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 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 mortgage Securities
- Property securing the mortgage
- occupancy of the property
- Loan to value of the property
- Borrower’s credit worthiness
Why TEXAS Rural 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
Texas Mortgage Company Reviews
Texas Mortgage Team
Texas Mortgage Programs
Texas Purchase loans
Looking to Purchase a Texas Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Texas Renovation Home Loans
Looking to Rehab a Texas Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Texas FHA Home loans
Great 1st Time Texas Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Texas va Home Loans
100% Financing for Texas Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Texas Conventional Home loans
Flexibility for Texas Homebuyers
- Primary, 2nd Home, Investment Properties
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Mortgage Terms
- Renovation Programs Available
Texas Jumbo Home Loans
Texas Non-Confirming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Texas USDA Home loans
100% Texas Rural Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Texas Native american Home Loans
Texas Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Texas Manufactured Home loans
Great Texas Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Texas Reverse Mortgage Loans
Your Home Texas at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Texas Non QM Home loans
Making Texas Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment Properties
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Texas One Time Close Home Loans
Build Your Texas Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Texas Refinance Mortgage loans
Texas Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Texas Cashout Mortgage Loans
Texas Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
