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Is a USDA Loan Right For Me?

A USDA home loan could be the best mortgage option for you if you live in a suburban or rural community. Also called Rural Development Loans, or RD loans; USDA loans are insured by the United States department of agriculture. With 100% financing a USDA loan is a perfect home loan for a first time homeowner, or for a borrower who is looking to purchase their next home.

Benefits of a USDA Home Loan

  • No Money Down (100% Financing)
  • Approval With Credit Scores Down to 600
  • Low Monthly Mortgage Insurance

Who is Eligible for a USDA Home Loan

If you are purchasing in a suburban or rural community of less than 35,000 people, there is a good chance you qualify for a USDA loan. Underwriters will look at your ability to repay your loan and repayment history of items on your credit report. A USDA underwriter will want to see that you have maintained a good payment history over the last 12 months. If you have had a bankruptcy it will need to have been discharged for 3 years, with an exception that can be made for 2 years. Check your eligibility by speaking to one of our agents at 855-900-8732 or Click here to get started