USDA loans · Longview, TX
USDA loans
The most overlooked program in East Texas. Zero down payment on eligible properties — and far more of the area around Longview qualifies than people assume.
Who this is for
Is this you?
- Buyers looking just outside Longview city limits
- Anyone buying in Gilmer, Hallsville, White Oak, Diana, Ore City and similar
- Households within the income limits for the area
- Buyers with nothing saved for a down payment
The honest part
Where it can bite
Two things have to line up: the property address and your household income. If either misses, USDA is off the table — so it's worth checking the address early rather than falling in love with a house first.
We will tell you when it is not worth it.
We are brokers, not a single bank with one menu to sell. If a different program serves you better — or if doing nothing serves you better — that is the answer you will get.
What matters
The parts worth knowing
Zero down payment
On eligible properties. One of only two zero-down programs, and the other one requires military service.
The map is bigger than you think
People rule themselves out assuming they're too close to town. Check the address before you assume.
Income limits apply
It's tied to household income for the area, so it isn't for everyone.
Property has to qualify too
Both you and the house have to be eligible.
Questions
Straight answers
Does my area qualify?
More of East Texas than most people expect. It's determined by specific address, not by city or county, so check the actual property.
What are the income limits?
They're set by household size and area, and they're revised periodically. We'll check yours against the current figures.
Is it really zero down?
On eligible properties, yes. There are still closing costs, which is a separate conversation.
Find out where you stand on a USDA loan.
Answer a few questions and see an estimate in about two minutes. No hard credit pull to begin, and a licensed loan officer follows up within one business day.
Not a commitment to lend. Subject to credit approval and underwriting.