Getting pre-approved for a USDA home loan in Tampa is one of the smartest first steps you can take toward buying an affordable housing option in an eligible rural or suburban area. It not only shows sellers you’re serious, but also gives you a clear budget and faster closing timeline. If you’re exploring low or no down payment options, our USDA Home Loan in Tampa program offers competitive rates and expert local guidance to help you qualify with confidence.

In this guide, we’ll walk you through the eligibility requirements, documents you’ll need, and step-by-step instructions to secure your pre-approval so you can start shopping for your new home without delay and begin building valuable home equity right away.

Benefits of Getting Pre-Approved for a USDA Loan in Tampa

Before you start house hunting, getting pre-approved for a USDA loan can give you a major advantage in Tampa’s competitive market. Pre-approval not only helps you understand what you can afford but also strengthens your position when making an offer.

Here are the key benefits of USDA loan pre-approval:

• Stronger offers – A pre-approval letter shows sellers you’re a serious buyer, making your offer much more convincing.
• Clear budget – You’ll know exactly how much you can afford, helping you avoid falling in love with a home that’s outside your price range.
• Faster closing – With much of the financial review already completed during pre-approval, the underwriting process moves quicker and smoother.
• Letter validity – Pre-approval letters are typically valid for 60–90 days, so timing your application with your home search is important.

Ready to get started? Our Tampa-based mortgage broker can help you begin your USDA Home Loan application today.

USDA Loan Eligibility Requirements in Tampa

Before applying for a USDA loan, it’s important to know whether you and the property you’re interested in meet the program’s requirements. USDA mortgages are designed to make homeownership more accessible for buyers in eligible areas, with specific standards for location, income, credit, and property condition. Like other mortgages such as FHA loans backed by the Federal Housing Administration or a VA loan supported by a federal loan guarantee, USDA loans expand access for buyers in a rural area who may not otherwise qualify.

Here’s what you’ll need to qualify in Tampa:

• Location: The home must be located in a USDA-eligible rural or suburban zone. Many neighborhoods just outside central Tampa qualify. Check the USDA property eligibility map here.
• Income: USDA income limits are based on household size and location. Typically, your household income must not exceed 115% of the area’s median income, ensuring the program is targeted toward moderate-income families.
• Credit Score: A score of 640 or higher is preferred for streamlined approval, but lower scores may still qualify with additional documentation, such as stable employment history, consistent paychecks, and clean credit history.
• Property Requirements: The home must meet safety, accessibility, and utility standards, meaning no major defects such as foundation issues, faulty wiring, or lack of running water.

Understanding USDA Loan Costs and Fees

One of the biggest advantages of a USDA loan is the ability to buy a home with no down payment, but that doesn’t mean the loan is entirely cost-free. Like any mortgage, there are fees and closing costs you should be prepared for. The good news is that USDA loans keep costs relatively low compared to other mortgage types, such as conventional loans, and many expenses can be rolled into your loan or covered through seller concessions.

Here’s a breakdown of typical USDA loan costs in Tampa:

Steps to Get Pre-Approved for a USDA Loan in Tampa

Getting pre-approved for a USDA loan may feel overwhelming at first, but the process is straightforward when you know what to expect. Here’s a simple roadmap to guide you:

Step 1 – Check Eligibility

Confirm that the property you’re interested in is located in a USDA-eligible rural area and that your household income falls within the program’s limits. (You can use the USDA property eligibility map to get started.)

Step 2 – Gather Necessary Documents

Your lender will need documents to verify your income, assets, and credit history. Common items include:

• Recent pay stubs and W-2s (or tax returns if self-employed)
• Bank statements
• Photo ID and Social Security number
• Credit history information

They’ll also confirm you can secure home insurance, which is mandatory for USDA loan approval.

Step 3 – Choose a USDA-Approved Lender

Not every lender offers USDA home loans, so it’s important to work with one that has experience in Tampa-area USDA financing. A knowledgeable lender will guide you through eligibility, requirements, and available options. Working with a mortgage broker rather than just one loan officer means you’ll see a broader range of home loans, including USDA, FHA, conventional, jumbo mortgages, or even a reverse mortgage if you’re later exploring retirement planning.

Step 4 – Submit Pre-Approval Application

Once you’ve gathered your documents, your lender will review your financials and run a credit check.

• Prequalification may involve a soft credit pull, which doesn’t affect your score.
• Pre-approval requires a hard credit inquiry and a deeper review of your finances.

If approved, you’ll receive a pre-approval letter that’s valid for 60–90 days, which you can use to strengthen offers on homes.

What to Do After Pre-Approval

Once you’ve received your USDA loan pre-approval letter, you’re ready to take the next big steps toward homeownership. Pre-approval not only boosts your confidence but also gives you a clear path forward in the buying process.

Here’s what to do next:

• Start home shopping in eligible areas – Work with a knowledgeable real estate agent (or estate agent) who understands USDA property eligibility, local real estate trends, and the role of investment value in your long-term financial plan.
• Order a home inspection – While not required by the USDA, a home inspection is highly recommended to uncover any potential issues before closing.
• Finalize your full loan application – Once you’ve chosen a home, your lender will update your file with property details and move it through underwriting.
• Close on your new home – After final approval, you’ll sign closing documents, pay any required costs, and receive the keys to your home.

Have your pre-approval? Estimate your monthly USDA loan payment with our Mortgage Calculator to plan your budget before you make an offer.

Tampa USDA Home Loan Approval FAQ

How long does USDA loan pre-approval take in Tampa?

Most Tampa buyers receive USDA loan pre-approval within 3–5 business days after submitting all required documents, including income verification, credit reports, and bank statements.

How long is a USDA pre-approval letter valid?

A USDA pre-approval letter is generally valid for 60–90 days from the date it’s issued. If your home search takes longer, your lender may need to update your financial information before extending it.

What’s the main advantage of working with a mortgage broker for a USDA loan in Tampa?

A mortgage broker can save you time by comparing USDA loan offers from multiple lenders, ensuring you get the most competitive rate and terms for your situation. Unlike a loan officer, who works for a single bank or credit union, a broker has access to multiple lending sources, giving you more options.

What credit score is needed for a USDA loan in Tampa?

A credit score of 640 or higher is preferred for USDA loans in Tampa. However, some lenders may approve lower scores with additional documentation and compensating factors.

Can closing costs be included in a USDA loan?

Yes. USDA loan closing costs can often be rolled into the loan amount, covered by seller concessions, or paid upfront at closing depending on the agreement with your lender and seller.

Does a USDA loan require mortgage insurance?

USDA loans do not require traditional private mortgage insurance (PMI). Instead, they include a 1% upfront loan guarantee fee (often financed into the loan) and a 0.35% annual fee added to your monthly payment.

Get Pre-Approved for Your USDA Loan in Tampa

Pre-approval is your ticket to a smoother homebuying process in Tampa. With no down payment, competitive interest rates, and expert local guidance. Whether you’re considering a USDA, FHA, or VA loan, Ebenezer Mortgage Solutions is here to help you find the right fit and secure financing with confidence.

📞 Call us today or contact us online to start your application and take the next step toward your dream home.

About The Author

Yuleisy Gonzalez Alvarez is the CEO and Mortgage Loan Originator at Ebenezer Mortgage Solutions (NMLS #1507766), a mortgage broker in Tampa, FL. She helps families secure FHA, VA, USDA, and conventional home loans with personalized guidance and trusted expertise.

Buying a home is a significant milestone, and for some families in Florida, a United States Department of Agriculture (USDA) home loan can make that dream a reality. In this guide, we will cover everything from understanding USDA home loans and their benefits to step-by-step instructions for pre-approval, helping you take the first crucial steps toward homeownership.

Introduction to USDA Home Loans in Florida

USDA home loans are a valuable financing option provided by the United States Department of Agriculture to support homeownership in eligible rural and suburban areas. These loans are designed to help low to moderate-income families purchase safe and affordable homes.

The purpose of USDA home loans is to promote rural development and allow citizens access to quality housing. By offering favorable terms, the program aims to improve the quality of life in rural communities and provide financial assistance to those who might not qualify for conventional loans. USDA Rural Development also supports a wide range of initiatives aimed at improving infrastructure, business development, and essential services in rural areas, further enhancing the overall quality of life.

To learn more about United States Department of Agriculture home loans and check eligibility, visit the USDA Single Family Housing Guaranteed Loan Program in Florida.

Tips for a Smooth Pre-Approval Process

Securing pre-approval for a USDA home loan can streamline your home-buying journey and strengthen your offer. Here are some essential tips for a smooth pre-approval process:

Improve Your Credit Score

Your credit score plays a crucial role in the loan approval process. Enhance your score by paying off outstanding debts, correcting errors on your credit report, and making timely payments.

Pay Down Existing Debts

Lenders assess your debt-to-income (DTI) ratio when evaluating your loan application. Reduce your debts to improve this ratio, which can increase your chances of loan approval and potentially secure better loan terms.

Avoid Large Purchases

Refrain from making significant purchases or opening a new line of credit during the pre-approval process. Large purchases can affect your credit score and increase your DTI ratio, potentially jeopardizing your loan approval.

Keep Detailed Financial Records

Maintain comprehensive records of your income, expenses, and financial transactions. Organized financial documents will make it easier for your lender to assess your financial situation and expedite the pre-approval process.

For more information on how to improve your credit score and prepare for home buying, refer to our article on Improving Your Credit Score Before Buying A House.

Benefits of USDA Home Loans

USDA home loans provide numerous benefits that enhance accessibility and affordability of homeownership, particularly for individuals residing in rural areas.

No Down Payment Requirement

One major advantage is the absence of a down payment requirement, enabling you to finance the entire purchase price of the home. This makes it easier to buy a home without needing a substantial amount of savings upfront.

Competitive Interest Rates

USDA loans also feature competitive interest rates, often lower than conventional loans, which can result in lower monthly mortgage payments and significant savings over the life of the loan.

Flexible Credit Guidelines

United States Department of Agriculture loans have flexible credit guidelines, making it easier for individuals with less-than-perfect credit to qualify. This inclusivity allows more people to achieve their dream of homeownership.

To see how these benefits could work for you, use our mortgage calculator to estimate your potential monthly payments and overall loan costs.

Eligibility Requirements

Before pursuing a USDA home loan in Florida, it's essential to understand the eligibility criteria that determine your qualification.

Geographic Eligibility

USDA home loans are intended to support homebuyers in rural and suburban areas designated by the United States Department of Agriculture. You can check property eligibility on the USDA website to determine if a property qualifies. Simply enter the property's address to verify its eligibility under the USDA's guidelines

Income Limits

Income limits for USDA loans vary depending on the location and size of your household. These limits make sure the program benefits low- to moderate-income families. Checking the USDA's income eligibility charts specific to your area will help you understand if your household income meets the criteria.

Credit Score Requirements

While USDA loans offer flexibility, they do have credit score requirements. Typically, a credit score of 640 or higher is preferred, although lower scores may be considered with additional documentation. Improving your credit score before applying can strengthen your eligibility and improve your chances of securing favorable loan terms.

Steps to Get Pre-Approved for a USDA Home Loan in Florida

Navigating the pre-approval process for a USDA home loan involves several key steps so that you're well-prepared and informed before moving forward with your home purchase. Here's a brief overview of what to expect:

Step 1: Check Eligibility

The USDA home loan process starts by verifying your eligibility for a USDA home loan. Use the USDA's online eligibility tool to check if the property you're interested in is in an eligible rural or suburban area. Make sure your household income meets the criteria for the area where you're purchasing.

Step 2: Gather Necessary Documents

Prepare the required documents to support your pre-approval application. This typically includes proof of income such as a recent paycheck, W-2 forms, and tax returns for the past two years. You'll also need to provide employment verification, recent bank statements, and information about the property you intend to purchase.

Step 3: Find A USDA-Approved Lender

Choose a USDA-approved lender who can guide you through the loan application process. These lenders are familiar with USDA loan requirements and can help ensure your application is complete and accurate.

Step 4: Submit Pre-Approval Application

Complete the pre-approval application with your chosen lender. They will review your financial documents, verify your eligibility, and assess your creditworthiness. Once pre-approved, you'll receive a conditional commitment letter outlining the loan amount you qualify for, empowering you in your home search.

Required Documentation

To complete your pre-approval application for a USDA mortgage loan, gather the following essential documentation:

• Proof of Income: Include recent pay stubs covering the last 30 days, W-2 forms for the past two years, and federal tax returns for the last two years. Self-employed individuals may need additional documentation, such as statements of assets and liabilities and profit and loss statements.
• Credit Report: Obtain a copy of your credit report from major credit bureaus like Experian, Equifax, or TransUnion. Monitoring your credit score helps you understand where you stand financially and allows you to address any discrepancies or issues that may affect your loan application.
• Employment Verification: Verify your current employment status by including contact information for your employer and an employment verification letter confirming your position, salary, and length of employment.
• Property Information: Include details about the property you intend to purchase, such as the purchase agreement and property appraisal report. These documents help confirm the property's value and condition, ensuring it meets USDA loan requirements.

To streamline the documentation process, utilize our USDA Home Loan Application Checklist to organize your loan application documents. 

USDA Home Loan Application Checklist

Personal Identification

• Government-issued photo ID (Driver's license, passport)
• Social Security number

Income Verification

• Recent pay stubs (last 30 days)
• W-2 forms (last 2 years)
• Tax returns (last 2 years)

Employment Verification

• Employer contact information
• Employment verification letter

Financial Information

• Bank statements (last 2-3 months)
• Statements for investment accounts (if applicable)

Property Information

• Purchase agreement
• Property appraisal
• Homeowners insurance information

Additional Documentation

• Gift letter (if receiving down payment assistance)
• Explanation letters for any credit issues

Next Steps After Pre-Approval

Congratulations on getting pre-approved for your USDA home loan in Florida! Now that you have secured your financing, here are the next steps to move forward with confidence:

• Start Home Shopping: With your preapproval letter in hand, you can begin exploring homes that fit within your budget and meet your needs. Work closely with a real estate agent to narrow down your options and find the perfect property in an eligible rural area.
• Finalize Loan Application: Once you've found your ideal home, finalize your loan application with Ebenezer Mortgage Solutions. Our team will guide you through the process, making sure all necessary paperwork is completed accurately and efficiently. We strive to make the loan closing process as smooth as possible.
• Schedule a Home Inspection: Arrange for a professional home inspection to assess the property's condition thoroughly. A home inspection guarantees there are no major issues that could impact your decision to purchase. It's a crucial step in protecting your investment and providing peace of mind.
• Close on Your New Home: After completing the necessary inspections and paperwork, it's time to close on your new home. During the closing process, you'll sign the final documents, pay any remaining fees or costs, and officially take ownership of the property.

Rely on Ebenezer Mortgage Solutions for expert guidance and personalized assistance throughout your home-buying journey. Contact us today at (813) 284 4027 to speak with a mortgage broker who can help you finalize your loan application and answer any questions you may have.

USDA Home Loan Frequently Asked Questions (FAQ)

Who is eligible for a USDA Home Loan?

Eligibility for a USDA Home Loan is based on several factors:

• The property must be located in an eligible rural area, as the United States Department of Agriculture defines.
• The applicant must meet income eligibility requirements, which vary by location and family size.
• The applicant must demonstrate a dependable source of income and have a credit history that meets USDA guidelines.

What types of properties are eligible for USDA Home Loans?

USDA Home Loans can be used for single-family homes, townhouses, and condos in eligible rural areas. The property must be used as the applicant's primary residence.

Do I need mortgage insurance with a USDA Home Loan?

USDA loans do not require private mortgage insurance (PMI), but they do have the USDA Guarantee Fee, which serves a similar purpose by protecting the lender in case of default.

Can I refinance a USDA Home Loan?

Yes, USDA offers a streamlined refinancing option for current USDA loan holders, which can help lower interest rates or change loan terms with minimal documentation. It's important to note that USDA loans do not offer cash out refinancing.

How do USDA and FHA loans differ?

United States Department of Agriculture, or USDA, Loans:

• Purpose: For low to moderate-income homebuyers in eligible rural and suburban areas.
• Down Payment: No down payment required (100% financing).
• Location: Only available in designated rural areas as defined by the USDA.
• Income Limits: Borrowers must meet USDA-set income limits, which vary by location.
• Mortgage Insurance: Requires an upfront guarantee fee and an annual fee.

Federal Housing Administration, or FHA, Loans:

• Purpose: For a wide range of borrowers, including first-time homebuyers and those with lower credit scores.
• Down Payment: Requires a minimum down payment of 3.5% for borrowers with credit scores of 580 or higher.
• Location: Available in all areas, not restricted to rural or suburban locations.
• Income Limits: No specific income limits for borrowers.
• Mortgage Insurance: Requires both an upfront mortgage insurance premium (MIP) and an annual MIP.

In summary, USDA loans target rural areas with no down payment requirement, while FHA loans are broadly available with a small down payment.

USDA home loans offer a way for low-income borrowers to have their own homes. These loan programs are backed by the U.S. Department of Agriculture to promote homeownership in rural areas. It's a great choice if you don't have enough money for a down payment or if you don't qualify for a conventional loan.

Although the USDA loan program is limited to certain designated areas, it doesn't mean that your only option is a secluded rural community. Suburban areas may qualify too. This means that even if you're planning to move just right outside of the city, there's a great chance your pick is one of the USDA-eligible areas.

Interested in USDA-eligible homes in Texas? In this article, we'll discuss what a USDA loan is, the requirements you'll need, and how to find homes that qualify for USDA loans.

What is a USDA loan?

USDA rural home loans are competitive mortgage options that help make home buying more affordable for low-income borrowers. The U.S. Department of Agriculture guarantees these home loans as part of its Rural Development program.

With this government backing, USDA loans are able to offer low-interest rates and a 0% down payment, making it an attractive option for anyone looking to purchase a home.

So why is it not as popular as conventional loans? This is because a USDA home loan can only be applied to a USDA-designated rural area. But if you're interested in moving to a quieter and wider area without breaking the bank, then this loan program might be for you.

What are the USDA loan requirements?

There are three main requirements needed to qualify for a USDA loan:

1. The property that you want to buy should be located in an eligible area.
2. Your total household income should not exceed the USDA income limit set for your location. This limit is often capped at 15% above the average local income.
3. You need to have a minimum FICO score of 640.

Since the USDA does not set the requirement for the credit score, there might still be hope for those who have a lower number. But it will all depend on your USDA-approved lender. Your loan program application will have to undergo manual underwriting where they will check for a low debt-to-income ratio, a substantial savings account, and any other financial factors that would lessen your risk as a borrower.

If the credit score is not a problem, then the other requirements for USDA financing are pretty much straightforward.

• The borrower must be a U.S. citizen or a legal permanent resident.
• DTI ratio should be no more than 41% of monthly income.
• The property should be used as a primary residence. USDA loans cannot be used on a second home or rental property.
• The physical condition of the property should also meet the requirements set by the USDA. Examples of these conditions are the property should be structurally sound, easily accessible for a paved or all-weather road surface, and has an operational electric system.
• There should be no history of late payments or collections for the past 12 months. Any other lender-specific requirements.

Qualification of "Rural Area" by the USDA/Rural Development

For a property to be qualified for USDA financing, it has to be located in a USDA-designated rural area. Thankfully, USDA's definition of "rural" is generous and often includes suburbs.

According to USDA, a "rural" area must fall into one of the following categories:

• The community's population is less than 10,000.
• If the area's population is between 10,001 to 20,0000, then it should not be located in a metropolitan statistical area (MSA) and should also have a serious lack of mortgage credit for low- to moderate-income families.
• An area that was once classified as a "rural area" but lost its designation in the 1990, 2000, or 2010 census may still be eligible if the community's population doesn't exceed 35,000. Additionally, the area must also have a serious lack of mortgage credit for low- to moderate-income families.

To ensure that the property you want is in one of the eligible areas in Texas, please check the list below.

Determining USDA Eligibility Loans

USDA operates a multitude of financial assistance programs. Here are the most common USDA loan programs that might help you get the rural property you want.

Single-Family Housing

The Single Family Housing programs give qualifying borrowers the opportunity to buy, build or repair affordable single-family USDA homes. There are two main Single-Family Housing programs for homebuyers: the Single-Family Housing Direct Loans and the Single-Family Housing Guaranteed Loan.

As the name implies, the Single-Family Housing Direct means that you apply directly with the USDA Rural Development. This loan program usually has a 33-year term and also offers payment assistance. Single-Family Housing Direct loans are only available for individuals or households with low to very low income.

On the other hand, the Single-Family Housing Guaranteed Loan is available for low- to moderate-income households. It usually offers a 30-year fixed rate and also has refinance options available. The Single-Family Housing Guaranteed Loan can only be obtained from USDA-approved lenders.

Multi-Family Housing

The Multi-Family Housing programs offer financing to rural property owners so they can develop multi-family rental housing for low-income elderly and disabled individuals and families, as well as domestic farm laborers.

Depending on the Multi-Family Housing Program you qualify for, payment terms can be 25 to 40 years with a 1% annual interest rate. Vouchers are also provided to protect eligible tenants who otherwise may face hardships if they cannot find another affordable housing option.

Rural Business

USDA also provides assistance to promote business creation and growth in rural areas. The Rural Business Programs are available to qualified individuals, businesses, farmers, cooperatives, non-profit corporations, private companies, and Native American Tribes. Other than financial backing, these programs also help provide job training, equipment, and entrepreneurial skills to start or grow a business.

Using the USDA/Rural Development Map

The USDA property eligibility map is a tool that will help determine if a certain location is a USDA-eligible rural area. To use this map, you first have to go to their website by clicking here . At the top of the screen, you'll find links for different USDA loan programs. Click the link to the program you're applying for. To access the eligibility map, you have to accept the property eligibility disclaimer. After accepting, you'll be redirected to the interactive map.

There are several ways to find eligible properties with this map. One way is to enter a specific address on the search bar and then click the "Go!" button. The map will zoom in to that property address and display a message saying whether or not it's a USDA-eligible area.

The other method is to manually zoom in to a location by double-clicking on the map, scrolling in and out with your mouse wheel, or using the scroll bar on the left side of the screen. Once you've zoomed in enough to the desired location, click on the pushpin button and then click on the chosen area on the map. A green push pin will appear which shows the latitude and longitude of the location, as well as whether or not it's an eligible rural area.

Please note that the USDA property eligibility map is simply an informational tool. To make sure your desired address is eligible, you would have to apply for the mortgage officially.

Eligible Locations for USDA Loans in Texas

Want to move to a rural area in Texas? We've listed down the locations that are eligible for USDA loans to help you out.

Not eligible locations for USDA Loans in Texas

• Angelina County, TX

  • Lufkin, TX

• Cameron County, TX

  • Brownsville, TX

  • San Benito, TX

  •  Harlingen, TX

• Bell County, TX

  • Temple

  • Killeen

  • Harker Heights

• Bexar County, TX

  • San Antonio

  • Universal City

  • Selma

• Bowie County, TX

  • Texarkana

• Brazoria County, TX

  • Lake Jackson

  • Angleton

  • Alvin

  • Pearland

• Brazos County, TX

  • College Station

  • Bryan

• Collin County, TX

  • Allen

  • Lowry Crossing

  • Parker

  • Lucas

  • Murphy

  • McKinney

• Comal County, TX

  • Garden Ridge

  • New Braunfels

• Coryell County, TX

  • Copperas Cove

  • Fort Hood

• Dallas County, TX

  • Irving

  • DeSoto

  • Farmers Branch

  • University Park

  • Cockrell Hill

  • Duncanville

  • Hutchins

  • Lancaster

• Denton County, TX

  • Carrollton

  • Coppell

  • Frisco

• Ector County, TX

  • Odessa

• Ellis County, TX

  • Waxahachie

  • Ennis

• El Paso County, TX

  • Horizon City

  • Socorro

• Fort Bend County, TX

  • Rosenberg

  • Richmond

  • Sugar Land

  • Arcola

• Galveston County, TX

  • Galveston

  • La Marque

  • Hitchcock

  • League City

  • Dickinson

  • Friendswood

  • Texas City

  • Kemah

• Grayson County, TX

  • Sherman

  • Denison

• Gregg County, TX

  • Longview

• Guadalupe County, TX

  • Cibolo

  • Selma

  • New Braunfels

  • Seguin

  • Geronimo

• Harris County, TX

  • Bellaire

  • El Lago

  • Jacinto City

  • Hedwig Village

  • Jersey Village

  • La Porte

  • Tomball

  • Humble

  • South Houston

  • Webster

  • Hunters Creek Village

  • Galena Park

  • Pasadena

• Harrison County, TX

  • Marshall

• Hays County, TX

  • San Marcos

  • Kyle

  • Buda

• Hidalgo County, TX

  • Alamo

  • Edinburg

  • Mission

  • Pharr

  • Alton

  • Palmhurst

  • Weslaco

  • Donna

  • McAllen

  • San Juan

• Howard County, TX

  • Big Spring

• Hunt County, TX

  • Greenville

• Jefferson County, TX

  • Beaumont

  • Bevil Oaks

  • Groves

  • Nederland

  • Port Arthur

  • Port Neches

  • Taylor Landing

• Johnson County, TX

  • Cleburne

  • Burleson

• Kaufman County, TX

  • Terrell

• Kendall County, TX

  • Boerne

• Kleberg County, TX

  • Kingsville

• Lamar County, TX

  • Paris

• Lampasas County, TX

  • Copperas Cove

• Lubbock County, TX

  • Lubbock

• McLennan County, TX

  • Waco

• Martin County, TX

  • Midland

• Midland County, TX

  • Midland

• Montgomery County, TX

  • Conroe

  • Oak Ridge North

• Nacogdoches County, TX

  • Nacogdoches

• Navarro County, TX

  • Corsicana

• Nueces County, TX

  • Port Aransas

  • Robstown

  • Aransas Pass

  • Corpus Christi

  • Portland

• Parker County, TX

  • Weatherford

• Potter County, TX

  • Amarillo

• Randall County, TX

  • Amarillo

• Rockwall County, TX

  • Mobile City

  • Rockwall

• San Patricio County, TX

  • Portland

  • Aransas Pass

• Smith County, TX

  • Tyler

• Tarrant County, TX

  • Fort Worth

  • Arlington

  • Haltom City

  • Crowley

  • Haslet

  • Mansfield

  • Southlake

  • Bedford

  • Colleyville

  • Euless

  • Everman

  • Forest Hill

  • Haltom City

  • Hurst

  • Keller

  • Kennedale

  • Lake Worth

  • North Richland Hills

  • Richland Hills

  • River Oaks

  • Saginaw

  • White Settlement

• Taylor County, TX

  • Abilene

• Tom Green County, TX

  • San Angelo

• Travis County, TX

  • Austin

  • Cedar Park

  • Leander

  • Pflugerville

  • Round Rock

  • Creedmoor

  • Manor

  • Sunset Valley

  • West Lake Hills

• Val Verde County, TX

  • Del Rio

• Victoria County, TX

  • Victoria

• Walker County, TX

  • Huntsville

• Webb County, TX

  • Laredo

• Wichita County, TX

  • Wichita Falls

• Williamson County, TX

  • Round Rock

  • Jollyville

  • Hutto

  • Brushy Creek

  • Cedar Park

  • Leander

  • Georgetown

  • Serenada

Think a USDA Loan Is For You?

USDA home loans are more affordable than conventional or FHA loans. Qualified borrowers will get to enjoy a 0% down payment and low-interest rates. However, USDA loans only apply to eligible rural areas. Additionally, your total household income should not exceed 115% of the local median income.

If you think a USDA home loan is for you, Ebenezer Mortgage Solutions can help with your mortgage application. If not, we can help you find a mortgage program that will fit your needs. Call us today at (813) 284 - 4027 to start your home loan application.