USDA Loans Texarkana, Arkansas

The Texarkana 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 Arkansas cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like Arkansas, the vast majority of the state is eligible for USDA loans. Find out if a property in Texarkana, AR 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 Texarkana, AR 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 Texarkana 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 Texarkana mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Texarkana, Arkansas 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 Texarkana, AR 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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    Texarkana, AR 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 Texarkana, AR USDA Home Loan 888-767-0554.

    The Texarkana metropolitan statistical area (MSA), as defined by the United States Office of Management and Budget, is a two-county region anchored by the twin cities of Texarkana, Texas, (population 37,333) and Texarkana, Arkansas, (population 30,259), and encompassing the surrounding communities in Bowie County, Texas, and Miller County, Arkansas. As of the 2016 census, the MSA had a population of 150,098.[4] Texarkana is a subset of the broader Ark-La-Tex region.

    Texarkana was founded in 1873 on the junction of two railroads. The name is a portmanteau of Texas, Arkansas, and nearby Louisiana. One tradition tells of a Red River steamboat named The Texarkana, c. 1860. Another story mentions a storekeeper named Swindle in Red Land, Louisiana who concocted a drink called “Texarkana Bitters”. A third account states that Col. Gus Knobel, a railroad surveyor, coined the name.[6] Local lore suggests that, before Texas’s annexation by the US, lawlessness ruled in the area that at times was claimed by various nations.

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