Texas USDA Loans

At Nortex Mortgage, we’re excited to be a leading resource for USDA loans in Texas. This exceptional program can make your homeownership dreams come true.

USDA or Rural Development loans, backed by the U.S. Department of Agriculture, are tailor-made for individuals and families seeking to settle in rural and suburban areas. With the vast expanse of Texas, USDA loans have become an ideal fit.

Eligibility for USDA Loans in Texas: The property you’re considering must be in a USDA-designated rural or suburban area. Many Texas locations qualify. USDA loans are designed to help low-to-moderate-income households, so income limits, which vary by county and household size, apply. Our team at Nortex Mortgage is available to help you determine your eligibility for USDA loans in Texas.

Zero Down Payment: USDA loans in Texas offer the unique benefit of financing 100% of your property’s appraised value, making buying a home without a down payment possible. This sets USDA loans apart from other mortgage programs and is an excellent choice for those who want to preserve their savings.

Flexible Credit Requirements: USDA loans in Texas are known for their flexible credit requirements. Even if your credit history could be better, USDA loans can be viable. While a minimum credit score is generally needed, the USDA also considers your payment history, job stability, and overall financial health.

Affordable Interest Rates: USDA loans in Texas often come with interest rates competitive with, or even lower than, traditional loans. This affordability can help you maintain your budget and reach your financial goals.

No Private Mortgage Insurance (PMI): USDA loans in Texas do not require PMI, unlike other mortgage programs. This cost-saving feature can significantly lower your monthly mortgage payment.

Repayment Assistance: Beyond the features mentioned, USDA loans in Texas offer unique repayment assistance options, such as subsidized interest rates and extended loan terms, enhancing affordability and making homeownership more achievable.

At Nortex Mortgage in Plano, TX, our experienced team provides personalized support throughout the USDA loan process in Texas. We’re ready to help you navigate each step, answer your questions, and address your concerns.

To apply for a USDA loan in Texas, contact a Nortex Mortgage Loan Officer at (972) 867-5626. We’re eager to discuss your specific needs and goals.

Don’t let misconceptions about rural and suburban living deter you. Instead, embrace Texas’s charm, natural beauty, and peaceful lifestyle. With USDA loans in Texas from Nortex Mortgage, your dream of homeownership can become a reality.

Our application process for USDA loans in Texas is streamlined and efficient. We’ll guide you through the necessary paperwork and ensure you have all the necessary documentation. USDA loans in Texas cover a variety of property types and promote energy efficiency and sustainability. These loans also support local economies in rural and suburban areas of Texas.

Ready to take the next step towards homeownership? Connect with Nortex Mortgage for personalized guidance on USDA loans in Texas. We’ll discuss your eligibility and suitable properties and guide you through the loan application process.

At Nortex Mortgage, we’re dedicated to making your Texas homeownership dreams come true through USDA loans. We prioritize exceptional customer service, transparency, and a seamless client experience.

Contact us today at(972) 867-5626 or work with one of our USDA Mortgage loan officers to learn more about USDA loans in Texas. Together, we can make your dream of owning a home in the Lone Star State a reality.