USDA Loan

Why Choose A USDA Loan?

Are you looking to buy a home in a rural or suburban area with no down payment and minimal investment?

There are three USDA home loan programs:

Loan guarantees: The USDA guarantees a mortgage issued by a participating local lender.
Direct loans: Issued by the USDA, these mortgages are for low- and very-low-income applicants.
Home improvement loans and grants: These loans or outright financial awards permit homeowners to repair or upgrade their homes.

Qualifying for a USDA Loan

USDA guaranteed home loans can fund only owner-occupied primary residences. If you are a U.S. citizen, with Dependable income, typically for a minimum of 24 months, and An acceptable credit history, with no accounts converted to collections within the last 12 months. You May Qualify

How USDA-issued home loans work

Going one step further in helping prospective homebuyers, the USDA issues mortgages to applicants deemed to have the greatest need. That means an individual or family that:

Is without “decent, safe and sanitary housing”

Is unable to secure a home loan from traditional sources

Has an adjusted income at or below the low-income limit for the area where they live

Eligible home locations

Metropolitan areas are generally excluded from USDA programs, but pockets of opportunity can exist in suburbs. Rural locations are always eligible.

What Our Amazing Home Owners Have Said

We liked knowing upfront what was needed and being able to use the internet to apply online. Everyone was very helpful and knowledgeable. It was a good experience and would greatly recommend others.

Allen B. , Kerr McGee Oil & Gas Corp

Sue Took the time to explain and lead me through the process. They never treated my questions as silly… As a single mom, I appreciated dealing with other women – ones that understand what it was like trying to do this with a 2 and 3-year-old! Thank you for making it painless. Thank you!!

Rachel S. , Single Mom

Sue took care to explain the process and details to me, the wife, of purchasing our new home.

Darlene F. , Homemaker

I have a heavy work schedule that Sue accommodated by coming to my office to answer questions and assist in filling out forms. She also attended the closing. Good Job!

Harry C. , El Paso Corp.

Sue was recommended by my Realtor. Provided friendly and courteous service. Enjoyed working with Sue!!

Dawn F. , Chevron Texaco

Your company has great people and friendly service. You will get all of my mortgage business!

Bradley S. , Texas Barcode Systems

Locked me into a very favorable rate on the first day of the contract! Was persistent on my behalf in providing the requisite financials to the underwriter.

Raymond F. , Retired

The prompt response to my application was great.

Judy R. , Homemaker

Sue was wonderful to work with! She made herself available to us at any time. Being first time home buyers, this was very helpful. keep up the good work.

Sally S.

You all are great – Thanks!

Thomas G. , Attorney at Law

Sue worked the hours to be sure that we could close at the earliest possible time. She stood by her good faith estimate.

Jayne L. , Homemaker

Awesome customer service!

William T.

Just a note to tell you how much Sandy and I appreciate your efforts to get our home refinanced. As we approach retirement age, getting our home paid for in a timely manner means so much to us.

Sam T. , First Nat. Bank of Eagle Lake

No surprises. Estimates were very accurate and we closed in a very short period of time. Very pleased with the process.

Kenneth R, El Paso Energy

Exceptional, friendly, prompt, and professional service. Kept us very well informed. Answered all our questions. Made our home refinancing painless. We have never received such excellent care.

Lovella & Don E.

She indicated that my closing costs with Cornerstone would be lower than the competition and it was. She called regularly to assure me that I was getting the best interest rate. And Sue was available at closing to answer any and all questions I had regarding my closing package. Sue was Great!

Salvatore M. , AES New Energy

Together, We’re Family.

What is it like working with the Texas Home Lending team? Kinda like a walk in the park. We’ve simplified the home loan process into 4 easy steps to ensure a positive experience. See how easy it really is.

Step One

Pre-Approval

This simple qualifying step helps us determine what sort of loan options you are eligible for and provide you with the right options.

Step Two

Consultation

You will then be matched with a home loan expert to help define your goals and choose the right plan of action for your situation.

Step Three

Application

We’ll then help guide you through the application process. quick and easy. Get every advantage possible when submitting your application.

Step Four

Approval

We’ll be there with you every step of the way to finalize refinancing or obtaining purchasing power for your new home.

Let us help guide you through the home loan process, making it quick and simple!