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Rural Housing Loan Program:

Enjoy 100% Finance & 0% Down Payment with Rural Loans

Rural Housing Service (RHS)

The United States Department of Agriculture aims to help individuals and families with low and very low income realize the dream of affordable home ownership.


Enjoy 100% Finance & 0% Down Payment with Rural Loans in Houston

There is no home mortgage that matches rural loans in terms of the flexibility it offers. If you live in a designated rural area, at Clear Lending we would help you avail the benefits of this loan program. The United States Department of Agriculture aims to help individuals and families with low and very low income realize the dream of affordable home ownership. It has helped millions of people in rural areas with limited resources. Rural loans in Houston allow eligible borrowers to construct, rehabilitate or improve their dwellings.

Eligibility Requirements for Rural Loans

•Be a citizen of US, US non-citizen or other Qualified Alien
•Property must in designated rural area
•Have income less than 115% of the median income in the county
•Must occupy the dwelling as primary residence
•Must have the legal/financial capacity to incur loan obligations
•Shouldn’t be suspended or disqualified from participation in federal programs
•Establish will to timely meet credit obligations

Once the loan has been approved borrower may use the funds for the following purposes only:

•Purchase new or existing residential property for use as permanent residents. Fund the closing cost and use it for customary expenses for purchase
•Buy a site with new or existing dwelling
•Expenses on repairs and rehabilitation after the purchase of an existing dwelling.
•Refinancing existing home mortgage programs (eligible programs only)
•Structure modification, design alteration or installing equipment to accommodate member with physical disability.
•Expenditure on judicious and customary connection fees and assessments or pro rata installment cost on essential utilities including water, electricity, gas and sewer.
•Fund pro rata share of real estate taxes which are due at the time of loan closing. Also borrowers can allocate funds to establish escrow accounts for real estate taxes and/or hazard and flood insurance premiums
•The loan can be used to fund purchase of household equipment such as refrigerators, heating and cooling equipment, ovens, wall-to-wall carpeting. But all equipment purchased needs to be conveyed with the dwelling.
•Investment in energy efficient equipment such as solar panels, double-paneled glass and insulation. 
•Installation of fixed broadband lines that are conveyed with the dwelling
•Investment on site preparation, grading, foundation plantings, sod installation, seeding trees, fences, walks and driveways.


Wait no more if you want to purchase your dream home under rural loans program and want to know amount you are Pre-Approved for

At Clear Lending we shall take every measure to help you purchase or refinance an existing rural loan program. All that you need to do is fill the details in our simple yet secure encrypted Pre-Approval Form online and we shall review it and get back to you with the best options.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.


Customers Reviews:

  • Martha Murcia • November 10, 2018

    FROM GOOGLE: There’s only few people out there that would go ABOVE and BEYOND for a Customers needs! Words cannot express my deep appreciation for having found Joan Gallardo! Let’s just say, I was on the verge of loosing a big financial investment, I was dealing with a Lender that put me in a big financial strain as they kept delaying my closing date, I had zero confidence with the Lender and decided to find another source! I literally was expecting only a Miracle from above as at this stage of my loan I had less than 3 weeks to close on my home. When I say Joan was Godsend it’s a definite and true statement! I explained my situation to him in the hopes of a lender closing my loan with such short notice! Joan diligently worked on my loan day and night to meet the deadline! Who does that?!! No one really but Time was no barrier for him! 1am, 2am it didn’t matter, he worked on it! He almost even drove to the Lender I was using office location! I’ve never known someone as dedicated to their customer! I gave Joan a deadline of 10/31! Honestly I only expected a miracle to meet the deadline! Well thank God I’m overwhelmed and HAPPY to say today 10/31 I received my final closing docs and I’m a homeowner!! Please take my experience with Joan for anyone out there looking for a Lender or even a real estate agent JOAN GALLARDO is your Guy! He cares for his customers is dedicated and will do Everything in his willpower to get you into a house! Don’t settle for any promises of lenders out there! Do your due diligence first don’t fall into a situation as mine. I was thankfully blessed with an Amazing Loan officer and please be assured he will take care of all your needs or questions during your home loan and or home search process. I’m so grateful to have found him. If you need a home loan NOW, a prompt and highly knowledgeable loan officer contact JOAN GALLARDO!!

  • Raul Orta • May 26, 2018

    After being denied by two other loan officers we decided to contact Joan. Not only was Joan able to get us a quick approval but we closed with less than the amount needed. He is dedicated and consistent. Thank you for making our dreams come true. We will forever be grateful!

  • Gema Ibett • July 31, 2017

    Our experience with Joan was phenomenal. He worked diligently throughout the holidays last year to ensure we closed as promptly as possible. Will and have definitely recommended him to anyone else that's been looking. Thanks again for everything you did!

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