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Steve Sparks

Signed in as:

filler@godaddy.com

  • Home
  • About SRC
    • About Your Realtor
    • Testimonials
    • Resources
    • Contact Us
  • Rentals
    • Available to Rent
    • Rental Application
    • Rules of Conduct
  • Listings
    • Available to Purchase
  • Broker's Price Opinions
  • Home Evaluations

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Resources

School Information

School Information

School Information

Athens

 www.Athensisd.net

Brownsboro
www.gobearsgo.net

Crossroads

www.Crossroadsisd.org

Eustace

www.Eustaceisd.net

Lapoynor

www.Lapoynorisd.net

Mabank

www.mabankisd.net/

Malakoff 

www.Malakoffisd.org

Martins Mill

www.Martinsmillisd.net

Murchison 

www.Murchisonisd.com

Trinidad 

www.Trinidadisd.com

Athens Christian Academy www.athensca.org

Athens Christian Preparatory Academy 

www.athensprep.org

USDA Loans

School Information

School Information

USDA Loans – What is a USDA Loan?
USDA Guaranteed Loan is the best home loan next to VA Loans. Offering  100% financing with no money down, now you can purchase a home without  having to save up for a hefty down payment.

Conventional loans: 3%, 5% and 20% down
FHA loans: 3.5% down
VA loans: 0% down
USDA loans: $0 down

VA Loans are solely for military personnel, and civilians are not  able to utilize this loan. You don’t have to be in the military to get  100% financing. The USDA Loan is available to anyone that meets income  and credit requirements.

USDA, or the United States Department of Agriculture, designed this  loan to pull the population out of large metropolitan cites and into  surrounding areas. USDA eligible properties are typically located  outside of city limits, in suburbs or rural areas. The USDA Guaranteed  Loan is not meant to finance farms rather they are geared towards the  standard single-family home.

This zero-down, 100% financing home loan has income limits, and  property eligibility requirements, however you don’t have to be a first  time home buyer to take advantage of this great home mortgage option.

Another USDA Loan advantage is that the USDA Loan’s mortgage  insurance fee is just 0.35% monthly – nearly half of what is charged on a  conventional loan and a quarter of what is charged on FHA. There are no  loan amount limits like FHA, instead the applicant’s income determines  the maximum loan size. USDA Loans also allow for the buyer to roll their  closing costs into the mortgage up to 100% of the appraised value of  the home. 

How to Apply for a USDA Loan
Apply with our USDA loan specialist
See if you Qualify by meeting income and credit requirements
Get Pre-Approved by providing tax returns, W2s, pay stubs, employment history and bank statements
Choose a home in a USDA eligible area
Make an offer on your USDA home
» More: Check your USDA Loan eligibility.

Athens, TX

Buyer Services

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Whether you’re a first-time home buyer or this is your fifth home, you  will have a seasoned pro to guide you throughout every step of the  process. Our clients get the best personalized service, qualified  advice, and professional assistance in Athens, Texas. Knowing that we  are on their side gives Sparks Realty Company’s clients a stress-free  real estate experience.

In today’s real estate market, experience can mean all the difference  in a successful real estate transaction. From buying your first home to  expanding your real estate investment portfolio, our team at Sparks  Realty Company looks forward to helping you realize all your real estate  goals, big and small.
Speak with Steven Sparks Today!

If you live in Texas or are planning to relocate to Henderson or  surrounding Counties, there is no better brokerage in the area to help  you find the home of your dreams or to help you sell your home for the  best possible price. Speak with Steve today to get started!

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