All Government Programs
First-Time Buyer, Rural and Veterans Programs
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Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
Foreign National Program without:
Residency, Social Security or Income in the US
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.
Definitely would recommend this company to anyone trying to get a home. Joan with Clear lending really helped us to close on a home after previous attempts to get a home prior did not go work out. They really worked with our situation and made it possible for us to get our first home. He took the time to answer all our questions and concerns. He was also honest and sincere in his feedback. And For that my husband and I are forever grateful! We were losing hope thinking we wouldn't be able to ever get approved, but clear lending gave us hope again. Thank you clear lending for all your help and making it possible for us to get our first home!!!
It is more than a pleasure to write this review in recognition to a work masterly well done by Joan Gallardo and his assistant Patricia Aparicio. We would be forever thankful because of them working as a knowledgeable team made our dream to own our first HOME became a marvelous reality. Now we as a family are enjoying to have our own place to live in. The road was not easy but they never gave up always giving and looking for options to take our process to end up with a happy ending and they actually did. Mission accomplished, thank you again, Joan and Patricia !!!! We definitely recommend Joan and his team at Clear Lending to anyone who really WANTS to have and live in their own houses. Lyda and Juan
Thank you so much for all your hard work to make this loan a successful ending. You know this is not my first house, but my family and I are very grateful. I am not a first time home buyer, but we are very excited to be a home owner again. I thank you from the bottom of my heart once more for making this possible. Yes, I will definitely refer anyone who comes to me for the inquiry. I will never forget you Joan and Nathalie for what you have done and how hard you worked to make my dream come true. You are very efficient and professional. I am glad that you are my loan officer. Thank you very much once again.