Find Pecan Gap, Texas USDA Home Loans | Check Eligible Areas in Pecan Gap, Texas

USDA Loans Pecan Gap, Texas

The Pecan Gap 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 Pecan Gap, 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 Pecan Gap, 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 Pecan Gap 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 Pecan Gap mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Pecan Gap 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 Pecan Gap, 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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    Pecan Gap, 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 Pecan Gap, TX USDA Home Loan 888-767-0554.

    Pecan Gap is a city in Delta and Fannin counties within the U.S. state of Texas. It is sometimes informally referred to as “The Gap” by area residents. The population was 178 at the time of the 2020 census.[6] It is named for the gap between two pecan trees, but unfortunately one of the two pecan trees was destroyed by a tornado in 1963.

    The first inhabitants of the area that is now Pecan Gap were the Caddo people, who settled large portions of eastern Texas as early as 800 CE. The Caddo were highly advanced, living in large wooden structures, and were skilled farmers.[7] The first European to visit the area was French explorer François Hervey, around 1750. A few decades afterwards, European disease and attacks from neighboring tribes as well as attacks from European settlers forced the Caddo out of the area around Pecan Gap. Around 1820, Delaware, Quapaw, and Seminole tribes began settling in the area. In 1836, the Republic of Texas officially recognized the region around Pecan Gap as part of Red River County. In 1840, Lamar County was formed, which absorbed much of the area just south of Pecan Gap. However, just six years later, the region was designated as part of the newly formed Hopkins County. In 1870 Delta County was created. As Pecan Gap grew it expanded west into Fannin County.[8]

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