USDA/Rural Housing

Live Comfortably Outside of City Limits

USDA/Rural Housing2018-05-15T12:14:22+00:00

Project Description

USDA Loans

A United States Department of Agriculture [USDA] loan program offers 30-year fixed-rate mortgage that is guaranteed by the U.S. government through the Rural Housing Development Authority.  This program helps eligible low- to moderate-income families achieve homeownership by offering a no down payment option.

Applicants must be unable to secure credit from other sources upon terms and conditions which the applicant can reasonably fulfill. Under this definition the applicant does not have available:

  • Personal non-retirement liquid verifiable assets of at least 20% of the purchase price that can be used as a down payment
  • The applicant cannot in addition to the 20% down payment, pay all closing costs associated with the loan

Additionally:

  • The property must be classified in an eligible area
  • The total household income must meet income limitations

Fixed-Rate Mortgage

Adjustable-Rate Mortgage

Streamlined Refinance

  LOAN HIGHLIGHTS

  • Zero Down Payment
  • Seller Can pay up to 6% of Sales Price towards borrowers closing costs and prepaid items
  • Property must be in Eligible Area
  • Household Income must be within limits

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APPLY NOW

From Dream to Address.
We Got You.

From the moment you’re ready to consider buying or refinancing a home, we are here to understand your dreams, goals, and unique financial situation. Our start-to-finish process is designed to be simple, straightforward, cost-effective, and FAST!

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Other Loan Options.

Conventional

Lower Rates with More Flexibility

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Jumbo

Think BIG with a Jumbo Loan

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FHA

Widely used by first-time homebuyers

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VA

Welcoming Veterans Home

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Other Loan Options
to Fit Your Life.