USDA Loans Near Spring, The Woodlands & Houston, TX

USDA loans are backed by the U.S. Department of Agriculture to help buyers purchase homes in eligible rural and suburban areas with no down payment. Plenty of growing communities around the Houston area, including parts of Montgomery County, may qualify. Many buyers are surprised to learn that a home they like is eligible.

USDA Loan Highlights

0% down payment on eligible properties.

Lower mortgage insurance costs than FHA: a 1% upfront guarantee fee that can be financed, plus a 0.35% annual fee.

Competitive fixed rates on 30-year terms.

Primary residences only.

Eligibility Basics

There are two tests. First, the property must be in a USDA-eligible area. Second, total household income must fall within USDA limits for the county, which are based on household size. Send me any address you're considering and I'll check both before you write an offer.

Why Work With Game On Mortgage?

I'm Andrew Hooey, an independent mortgage broker based in Spring, TX. Instead of offering one bank's products, I shop your loan across multiple wholesale lenders and bring back the option that fits you best. Game On Mortgage has funded over $150 million in loans with a 97% customer satisfaction rate, and we serve buyers and homeowners across Spring, The Woodlands, and the greater Houston area.

Related loan programs:FHA Loans, First-Time Home Buyer Loans, Down Payment Assistance. See all loan programs.

Fill out the form for a quick quote, or call me directly at (713) 446-2420.

Andrew Hooey, NMLS #1808045. Game On Mortgage, LLC, NMLS #2468752. Not a commitment to lend. All loans subject to credit approval, property eligibility, and program guidelines. Program terms and limits are subject to change.