Foreign National Program without:
Residency, Social Security or Income in the US
All Government Programs
First-Time Buyer, Rural and Veterans Programs
Ask us about our program
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We will help you.
Contact us to analyze your options.
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We will help you.
Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
Starting with only...
580 Credit Scores!!!
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 and 0% Down Payment with Rural Loans in Texas.
No home mortgage matches rural loans in terms of the flexibility it offers. If you live in a designated rural area, at Clear Lending, we will help you avail the benefits of this loan program. The United States Department of Agriculture aims to help individuals and families with low and meager incomes realize the dream of affordable homeownership. 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 a designated rural area
•Have income less than 115% of the median income in the county
•Must occupy the dwelling as a primary residence
•Must have the legal/financial capacity to incur loan obligations
•Should not be suspended or disqualified from participation in federal programs
•Establish will to timely meet credit obligations
Once the loan has been approved, the 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 the purchase
•Buy a site with new or existing dwelling
•Expenses on repairs and rehabilitation after the purchase of a present residence.
•Refinancing current home mortgage programs (eligible programs only)
•Structure modification, design alteration, or installing equipment to accommodate members with a 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 hazard and flood insurance premiums
•The loan can be used to fund the 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 related to the dwelling
•Investment on-site preparation, grading, foundation plantings, sod installation, seeding trees, fences, walls, and driveways.
Wait no more if you want to purchase your dream home under rural loans program and want to know the 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 secure yet straightforward 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.
FROM GOOGLE: This Company is by far the most professional company I have worked with!! Effective, Caring and Result Oriented. I cannot express enough how knowledgeable Joan and Patricia are, they walked us through every step of the way, answered every one of our questions no matter how small. Joan gave us plenty of advice and support to help us find our home. Joan was ALWAYS available when we needed him and his sense of urgency was par to none, he treated our home buying process as if it was his own. I have never worked with a group of people that cares so much about their clients. Joan made our first home buying experience a thing to remember. There are hits and runs, but working with Clearlending was a Homerun!!!! We recommend Clear Lending to all of our friends and family. Thank you Joan and Patricia!!!! May God bless you guys and continue to give you success.
Joan was such a pleasure to work with! When Quicken denied my client's loan, Joan stepped in immediately and made every effort to make sure my client was approved. Joan was always available when I called. I am going to definitely refer him to future clients. Thanks Joan! It was a pleasure working with you.
I want to start this review saying big thanks to the Clear Lending team especially to Joan Gallardo because without him None of this would be possible..., We Choose Clear Lending initially based on positive online reviews, and couldn’t have been more satisfied with the process. While the process of home buying was much more difficult than we’d imagined, based on the levels of competitiveness, Joan gave us excellent guidance, unflagging availability, and deep knowledge about a really wide range of homes that we looked at. He helped us get into our dream home with minimal stress, thanks to him and his team we got the house that I and my family were looking for, he was more than communicative, understanding, and patient as we dragged him through dozens of open houses, Joan always kept a very communicative attitude and had the answer for each of our questions no matter what day of the week was o how late. Most important to us, Joan was always honest with us about what he thought about each property, was always available and helpful, and we always felt that he truly had our best interests at heart. In the future, if we ever decide to move, we will definitely use Joan again to both sell our home and find a new one. THANKS FOR EVERYTHING CLEAR LENDING!!!!
