NMLS #2498240

USDA Loans

From fields to porches, live in the countryside.
USDA loans are for rural area properties and people who love outdoors living
  • No Down Payment (100% Financing)
  • Favorable Interest Rates
  • Flexible Credit Requirements
  • Seller credits may help pay for closing fees
  • Potentially roll closing fees into your monthly payment


The U.S. Department of Agriculture (USDA) loans offers mortgages for low-income residents of rural areas. 


  • Most lenders require a 640 credit score
  • Proof of income (Bank statements and pay stubs), assets, and tax returns 
  • Maximum of 36-41% Debt-to-Income ratio (DTI)
  • Property must be in an eligible rural area as defined by USDA.

Loan Disclaimer

Not all applicants will qualify. Please meet with one of our licensed loan officers for more information. Rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Home loan programs are only available in Texas.

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 program guidelines and Sociable Mortgage’s lending policies and are subject to change without notice.

Let us guide you.

Free consultation.

Our Signature Process

Let our expert team handle the complex mortgage process as you envision your dream home. We provide an efficient and enjoyable experience, allowing you to create a lasting home for yourself and your loved ones. Let’s work together to bring your dream to life.