The USDA Loan Program

The USDA Rural Development program supplies $16 billion in funding to Americans in rural areas. Because millions of people qualify for different types of USDA loans, more families are turning to USDA Loans as a lending solution.

We are a Texas lender specializing in USDA Home Loans. Unfortunately, we cannot help individuals who are looking for Rural Housing Direct Loans through the USDA's programs. Those loans are 100% financed directly through the government.

However, our specialists can help you determine if you qualify for a USDA Home Loan and help you get a better deal with a no downpament mortgage option.

Most people in rural areas qualify for USDA loan benefits, but people living on the outskirts of a city or in a medium sized town may also qualify. Find out if you qualify for a USDA Home Loan by using our secure online application.

USDA Loan Guidelines

Some of the eligibility standards that determine if you qualify for a USDA loan for your home include what county and zip code the home resides in, your current income and credit history, as well as the number of dependents you can claim. Because these guidelines are very specific, it is important to work with a company that has experience dealing with USDA government financing. There are few loan options that permit no downpayment - do not miss out on your chance for homeownership.

Grants for Community development are also available. These grants may be used to help in the rehabilitation, enlargement, and construction of community facilities. These facilities may include but are not limited to health care, public safety and public services. The funds are generally used for special initiatives such as Native American communities, federal government child care centers for the welfare-to-work initiative.

The USDA Loan program is here to ensure that individuals of the rural communities can compete in the global economy. By allowing communities to obtain these loans they can put into place better community centers, facilities and thus be a place where individuals will relocate and not be hampered by moving to a community that has not been able to update the public facilities. There is over $86 billion in the USDA portfolio of loans and will provide $16 billion in program loans, grants, and USDA rural development program loans.

To introduce yourself to the USDA organization, please visit the USDA home page.