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Loan Program

USDA Home Loans

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Is a USDA loan right for you?

The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

Mortgage Loan

Benefits of a USDA loan

  • 100% financing: That’s right! This program offers 100% financing for qualifying members.
  • First time buyer friendly: USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
  • No homeowner counseling required: Unlike some other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.

USDA loan eligibility requirements

  • Ability to prove creditworthiness, typically with a credit score of at least 640
  • Stable and dependable income
  • A willingness to repay the mortgage – generally 12 months of no late payments or collections
  • Adjusted household income is equal to or less than 115% of the area median income
  • Property serves as the primary residence
  • Property is located in a qualified rural area

Now is the time to save money on your mortgage! CLICK HERE for us to review your current mortgage statement to let us help you save!

Download our Homebuyer’s Guide!