USDA LOANS

Rural Properties - 0% Down

Texas USDA Loans

A USDA loan (also called a Rural Development Loan) is a government-insured home loan that allows you to purchase a home with NO Money Down. Texas USDA Loans offer 100% financing to qualified buyers. 

  • In order to qualify for a USDA Loan, your home must be located in a designated USDA rural area. We can check the USDA Eligibility of your county, or you can check USDA home eligibility in Texas online.

The goal of the USDA loan program is to help our nation’s smaller, rural communities thrive by making homeownership more affordable. Lone Star Financing specializes in USDA home loans and can help educate you on this loan program—and help you check to see if your property qualifies for a USDA home loan.

It might surprise you just how many counties in Texas qualify for these no money down USDA home loans.

USDA Loan Advantages

  • Rural Properties
  • 100% Financing
  • No Maximum on Loan Amounts
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value with Restrictions
  • FHA/USDA Certified Appraisers only
  • 1% Guarantee Fee May be Rolled into the Loan

More about USDA loans

Texas USDA Mortgages - How They Work

USDA Home Loan
TX USDA Loans

Texas Rural development loans are also known as Section 502 loans. The government created USDA loans in the 1990s to make it easier for low-income families in rural areas to become homeowners. This type of loan is available for many Texas borrowers because 97% Texas is classified as rural area.

If you want to live in a rural area, and you meet the income requirements, a Texas USDA loan may be the best option for you. USDA primary advantages are low interest rates and up to 100% financing. There’s no prepayment penalty and no down payment required, but you will be locked into a fixed rate if you take out a USDA mortgage loan. ARM mortgages are not available for USDA loans in Texas.  USDA loans do require private mortgage insurance, which your loan officer can help better explain. Your Houston USDA loan specialist! 

To learn more about USDA home loans in Texas, USDA  programs and, please visit https://www.rd.usda.gov/tx. Here you can find the answers to most of your Texas USDA loan questions and eligibility.  

Borrowers with FICO credit scores 620 or higher receive streamlined processing and underwriting.  Applicants with below 620 FICO and you must meet more stringent underwriting conditions. 

USDA Loans - Apply online in minutes

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Texas USDA Home Loans

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Rebeka L
Rebeka L
Heartland, TX
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Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!
Michael Underwood
Michael Underwood
Austin, TX
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As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!
Jordan Rodriquez
Jordan Rodriquez
Bastrop, TX
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I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.
Veronica M.
Veronica M.
Camey, TX
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Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!
Scott Kruse
Scott Kruse
San Marcos, TX
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I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...
David, Y
David, Y
San Antonio, TX
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Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!
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