Remember We Don't Just Promise... We Deliver!

RHS Loan Programs

The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.

RHS Loans are an attractive option because:

RHS loans support the purchase and renovation of previously owned or new construction homes. Families must meet monthly mortgage, insurance, and property tax obligations. The Rural Housing Service (RHS) by the US Department of Agriculture assists low- and moderate-income individuals struggling to secure bank loans to become homeowners. Offering various lending choices, RHS helps qualified borrowers access affordable housing in rural regions. Dream Home Mortgage is here to guide you in buying an affordable home using RHS lending options.

Why Choose RHS Loan Programs?

The low closing fees associated with RHS financing programs are a major perk. The cost of a house loan may be drastically reduced as a result. If you can lower your closing costs, you’ll have more money for other elements of house ownership, like the move or repairs. The low or zero down payment choices available via RHS loans make it easier for those with limited finances to join the property market. The opportunity to buy a house with a smaller down payment gives buyers more leeway. It gives people who may have had trouble saving for a down payment the chance to become homeowners. RHS loans may be used for both the acquisition and improvement of already existing houses and the building of brand-new dwellings.

Customize Your Dream Home

Borrowers might select a home that works for them and make adjustments to make it just right. Whether you’re interested in purchasing a fixer-upper or a brand-new house, RHS lending programs may help you get the money you need to become a homeowner. The Rural Housing Service works to reduce borrowers’ out-of-pocket costs associated with purchasing a property. RHS loans ensure your monthly mortgage payments fit comfortably into your budget because of their reasonable interest rates and lenient repayment periods. Now that you’re financially stable, you can put your energy into making your house a safe and pleasant place for your family.

Understanding the Requirements

To be eligible for an RHS loan, applicants must fulfill several requirements, including:
Income Eligibility

RHS’s lending programs focus on individuals and families with low to moderate incomes. The income thresholds are different for each city and family size. Dream Home Mortgage’s staff can assist you in calculating whether or not your income meets the minimum criteria and in filling out the application.

Rural Location

Homeownership in rural regions is encouraged via RHS loans. Your prospective home’s neighborhood must qualify as rural by USDA standards. The expert loan specialists we employ can help you pinpoint qualifying locations and zero in on the ideal house within them.

Financial Stability

While RHS loans may help those who wouldn’t otherwise be able to get a mortgage, applicants still need to provide proof of financial stability. You’ll need to prove your financial stability and credibility to do so. You may determine your eligibility and submit a competitive application with our seasoned mortgage consultants.



We will help you find the right financing solutions to meet your needs.

Tailored financing solutions, just for you.

Get A Quote
Today Rates

Today's Rates

We homeowners determine the right time to purchase or to refinance.

Homeownership made easier, smarter decisions.

Get A Quote


We can help you lower your interest rate and lower your monthly payment.

Lower rate, lower monthly payments, guaranteed.

Get A Quote
Ask an Expert

Ask an Expert

If you have any mortgage related questions, we have the answers.

Mortgage questions? We've got you covered.

Get A Quote

Partner with Dream Home Mortgage for RHS Loan Programs

Dream Home Mortgage is familiar with the intricacies of RHS financing programs and the opportunity they provide. Our seasoned loan officers are familiar with the parameters and nuances of these alternative lending options. We’re here to guide you through the application process, find you suitable financing, and see you through realizing your rural homeownership goal. As a dependable branch of Brazos National Bank, we place a premium on your satisfaction and go out of our way to meet your specific requirements. Being a company that places a premium on customer relationships, we will be here for you throughout becoming a homeowner. Contact Dream Home Mortgage now to learn more about RHS loan programs and how we can help you become a homeowner at a reasonable price in rural America. Join me in making your goal of house ownership a reality.

The Benefits of RHS Loan Programs

There are several advantages to using an RHS financing program for your home purchase. Let’s look at some of the reasons why these lending schemes are so beneficial for those buying homes in rural areas:
Affordable Interest Rates

Borrowers may be certain that RHS lending programs provide market-competitive interest rates. It means reduced mortgage payments every month, making homeownership more feasible financially.

Flexible Credit Requirements

RHS lending programs are more lenient towards applicants with less-than-perfect credit than conventional mortgage lenders. While creditworthiness is still a factor, RHS loans provide an option for those with financial difficulties or a short credit history.

No Private Mortgage Insurance (PMI)

Loans with a down payment of less than 20% often need private mortgage insurance, which may significantly increase monthly mortgage payments. Yet RHS loans don’t need PMI, so borrowers may save money and cut down on monthly mortgage costs.

Subsidized Interest for Qualified Applicants

Low-income individuals and families that fall under certain income parameters may take advantage of the RHS’s direct loan programs, which provide discounted interest rates. The cost of borrowing money is reduced even more thanks to this subsidy, making homeownership attainable for more people.

Dedicated Customer Support

When you apply for a loan with RHS, you’ll have access to a team of experts whose only focus is helping you become a homeowner. The RHS will walk you through every step of the loan application process, providing you with all the tools and knowledge you’ll need to make smart choices.