Huntsville TX USDA Loans

Mortgage and Lending with CrossCountry Mortgage NMLS # 243437

USDA mortgage loans in the surrounding Hunstville area are excellent MORTGAGES to help with your home buying needs.

A true 0% down option PAYMENT isAVAILABLE to home buyers looking to purchase homes in areas surrounding West, Texas.   Many home buyers realize the importance of keeping their cash reserves for purposes other than a down payment on a home.  Thankfully, there is aSPECIAL government LOAN program from the USDA that can assist with this. 

Post closing cash reserves are important to help set up home buyers for success for several reasons.  First, it is always a good plan for a home owner to have at least 6 months reserves on hand for emergencies- such as normal replacement of items like hot water heaters, air conditioning and heating units, washer and dryer, and other appliances like stove, oven, disposal, etc. 

Further, most home owners want to make purchases for new furniture or perhaps NEW WINDOW treatments like blinds or draperies when purchasing a new home.  So, if we can structure a purchase with little to no out of pocket cash- it is a better idea.


Find out more about USDA home LOANS for the surrounding West area here:

  • Interest Rates are still competitive compared to both FHA and Conventional LOANS. There is 100% financing available with small monthly mortgage INSURANCE (consists of about .30% of LOAN amounts per year).
  • There are 2 great benefits to a USDA LOAN: 1. No DOWN PAYMENT with 100%FINANCING, and 2. A 30 year fixed interest rate.
  • You can get very low Mortgage INSURANCE RATE (MI) when compared to FHA and Conventional loans and you'll see the savings!

Some qualifying requirements for a USDA home loan are as follows:

Congress has defined that the home must be in an eligible USDA area for you to qualify.

  • USDA loans are available in most areas of the State of Texas- but not all.  For Huntsville, for instance, generally most areas around the fringes to the north, east and south are eligible.

A very easy and efficient way to determine if you are in an eligible area is by visiting this website and putting in your address:

You want to find an authorized USDA lender for the best service that is a MORTGAGE banker rather thanA BROKERso that there won't be any delays in getting YOUR LOAN approved.  Further, make sure you deal with aMORTGAGE LENDER who is proficient in all aspects of a USDA LOAN- as the ultimate structure of YOUR LOAN and your purchase contract can save you thousands of dollars at time of closing.

For instance, a contract can be structured where the seller gives a buyer seller contributions- which can cover other closing costs such as title policies, setting up your escrow ACCOUNT for future taxes and insurance- and to purchase your initial insurance policy. 

There are even some provisions for possible purchase of new appliances- so it is important to go with an expert that can process, underwrite and close your USDA 100% LOAN in the Graham surrounding area IN HOUSE.

For more information on getting a USDA loan, please contact Joy Bates, Senior LOAN Officer, NMLS #243437 at 817-860-3232, or email her at

Posted by

The Legacy Group of CrossCountry Mortgage

Chad and Joy Bates NMLS #243437


Email Us 


1205 West Abram St. 

Arlington, TX 76013


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