Houston USDA Home Loans

100% Financing To Qualified Buyers

Houston USDA Home Mortgage Loans

Competitive Rates, Super-Fast Closings

At Flagstone Mortgage, we understand the importance of finding the perfect home, regardless of whether it's in a rural or suburban area.

That's why we specialize in USDA mortgage loans, which are specifically designed to assist individuals in purchasing a home in "rural areas".

The great news is that USDA's definition of rural includes numerous suburban neighborhoods, ensuring that more people can benefit from this loan program. With population requirements reaching up to 35,000 depending on the area's designation, a significant portion of the US population is eligible for a USDA home loan.

Qualifying for a USDA Mortgage Loan

Your monthly mortgage payment should not exceed 29% of your monthly income. Additionally, you must have a verifiable and consistent income over the past 24 months. It is crucial that you have not had any debts sent to collections within the past year.

To increase your chances of approval and receive more attention from lenders, it is advisable to raise your credit score to at least 640 before applying.

While this loan may not be applicable for purchasing a home within the city, the USDA considers some suburban areas rural. Therefore, you may be able to secure a Houston USDA mortgage loan for a home just outside the city.

Houston Texas Mortgage Lenders

If you're looking to purchase a home in the Houston, Texas area, you're probably wondering where to begin. One of the most important steps in the home buying process is finding a mortgage lender that you can trust. At Flagstone Mortgage, we understand that buying a home is a major decision, and we're here to help guide you through the process.

As a local Houston mortgage lender, we have a deep understanding of the Houston housing market and can provide you with the personalized service you need to find the right loan for your unique situation. We offer a range of loan options, including conventional, FHA, VA, and jumbo loans, so you can find the loan that best fits your needs and budget.

We also offer a variety of tools and resources to help you make informed decisions throughout the home buying process. Our online mortgage calculator can help you estimate your monthly payments, and our team of experienced loan officers is available to answer any questions you may have.

At Flagstone Mortgage, we believe that communication is key to a successful home buying experience. We'll keep you updated throughout the process, and we're available to answer any questions you may have at any time. We take pride in our commitment to customer service, and we're dedicated to helping you achieve your homeownership goals.

If you're ready to take the first step toward purchasing your dream home in Houston, Texas, contact Flagstone Mortgage today. Our team of experts is here to help make your home buying experience as smooth and stress-free as possible.

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