Loan Program

USDA Loans

100% financing for eligible rural and suburban homes.

Overview

USDA loans offer 100% financing in eligible rural and suburban areas across Texas — a powerful option for buyers who don't need to be in the middle of a major metro.

Who it's for

Buyers targeting eligible suburban/rural Texas zip codes
Households at or below area income limits
First-time and repeat buyers alike

Benefits

Zero down payment
Low guarantee fee vs FHA MI
Competitive fixed rates
Flexible credit guidelines

Common Questions

How do I know if a property qualifies?

USDA maintains an eligibility map — we check it before you write an offer.

Is there an income limit?

Yes, based on household size and county. Many Texas suburbs still qualify.

Any monthly MI?

There's a small annual guarantee fee, typically lower than FHA MI.

Explore other programs

Conventional FHA Loans VA Loans Jumbo Loans Bank Statement Loans DSCR Loans Investment Property Loans Non-QM Loans Down Payment Assistance Commercial Financing Refinance Cash-Out Refinance HELOC Home Loan

Financing Provided Through

Clear Rate MortgageLicensed Mortgage Lender · NMLS #2470446

Mike Keys · NMLS #2795829 · Company NMLS #2470446

A boutique client experience, backed by a national lending platform.

· Company licensed in 17 states
· Broad portfolio of loan solutions
· Experienced lending & operations team
· Professional service from application through closing