Find Harker Heights, Texas USDA Home Loans | Check Eligible Areas in Harker Heights, Texas

USDA Loans Harker Heights, Texas

The Harker Heights USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN.  When home buyers hear USDA rural they often think of farms or underdeveloped areas.  In most cases you can find USDA eligible properties just outside of major Texas cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like Texas, the vast majority of the state is eligible for USDA loans. Find out if a property in Harker Heights, TX is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help.  Connect with a licensed USDA specialist, ask questions, see what cities qualify, and get free quotes.

Finding the Perfect Home Loan

Thousands of consumers in Harker Heights, TX are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help Harker Heights home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2024 Harker Heights mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Harker Heights USDA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a USDA Eligible Home.
  • Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

The USDA Rural Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with Harker Heights, TX first time home buyers.  We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just USDA rural mortgage loans.  Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options.

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    Once this form is completed you will have the option to start your USDA mortgage application.

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    Harker Heights, TX USDA Benefits

    • No down payment required
    • Low 30 year fixed rate
    • 102% financing (100% plus the guarantee fee that can be financed or paid for by the seller)
    • Can finance closing costs if appraisal above sales price
    • Competitive rates (as set by the underwriting lenders)
    • Minimal mortgage insurance required
    • No cash contribution required from borrower
    • Gift Funds Allowed
    • No maximum loan amount (although there are family income limits)
    • No reserves required
    • Streamlined credit approval for scores above 640
    • Can refinance an existing USDA loan to get a better interest rate if available

    Find your Harker Heights, TX USDA Home Loan 888-767-0554.

    Harker Heights is a city in Bell County, Texas, United States. As of the 2020 census, 33,097 people resided in the city,[4] up from a population of 17,308 in 2000. This makes Harker Heights the third-largest city in Bell County, after Killeen and Temple. Incorporated in 1960, the city derives its name from one of the two original landowners and founder, Harley Kern. Harker Heights is part of the Killeen–Temple–Fort Hood metropolitan area. People usually refer to the town as just “Heights”.

    Harker Heights is located near Fort Hood, a major United States Army post that was designated a permanent military facility in 1950. As the post expanded, the surrounding civilian population increased. Water Control and Improvement District No. 4 was established on land near the Killeen city limits and the military post in 1955, and included the land owned by Pinckney R. Cox and Harley Kern, two hog farmers. These two men subdivided their land in 1957 and began selling lots. By 1960, between 600 and 700 of the lots had been developed and new residents supplied with water and other utility services. Following a petition for an incorporation election, the city was established on September 24, 1960, and Cox was elected mayor. Kern had died before the incorporation, and the Harker in Harker Heights was a concatenation of Harley Kern’s name as a tribute to one of the original landowners. The town’s boundaries expanded to include Forest Hills, Highland Oaks, and Comanche Hills. Cox, Sam Garth Jr., and Barney Sissom created GIASISCO Corporation, which was meant to help expand the town from 400 to 950 acres (160 to 380 ha).[5]

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