What is a USDA Home Loan?

The US Department of Agriculture (USDA) insures home loans to help with housing needs in America's "rural" areas. It may surprise you how USDA defines a "rural" area. Some areas often considered "suburban" are designated as "rural" by USDA. More than a few beautiful new planned housing communities on the outer limits of a large metro area will qualify for a USDA home loan. Like the FHA loan product, the Federal Government also insures the USDA loan product.

USDA Loan Quick Facts

Zero Down Payment
is allowed.
Owner Occupants Only.
Loan Limit varies by Area Income Limit and Family Size.
Non Occupant Co-Borrowers are not allowed.
A Seller can contribute up to 6% of Sales Price towards Buyer Closing Costs.
There is no limit on Home Acreage. Some restrictions apply.

What determines USDA Home Loan Eligibility?

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You will LOVE your USDA Mortgage Rate.

Become Mortgage Free

...faster!

If you consistently pay extra money towards principal reduction each time you make a payment, it can be shocking how much FASTER you can pay off a mortgage. Knowledge is power. Just ask us, and we will run the mortgage numbers to show you how to save even MORE money.

Does someone you know have a Damaged FICO Score?

No worries...even Superheroes need help sometimes.

“It does not matter where you are at;
it only matters where you are going.”

~Yoda

Well….maybe Yoda never said that, but he should have! In every Superhero Movie, the Hero experiences great loss and struggles. Perhaps you know of a Hero who has had late payments, foreclosure, or bankruptcy. The three credit bureaus generally adjust FICO scores based on what is happening now in a consumer's credit journey. The past is in the past. If you refer your Hero to us, we can use our Credit Algorithm to help them map out the fastest and most direct path for them to achieve a higher FICO Score. They will be back in the game, ready to buy or refinance faster than they may think! They may thank you for years to come. We love being their Superhero sidekick!

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