Shane Direct: (949) 322-3616 | Brian & Nichole: (949) 202-5332

Are you shopping for a home in a rural location? If you would like to qualify for zero down and other fantastic benefits, consider applying for a USDA mortgage. The USDA loan program is available to homebuyers across the country.

What is a USDA Loan?

The USDA loan program allows you to apply for a government-insured mortgage, much like the FHA and VA loan programs.

In the case of USDA loans, your mortgage is backed by the US Department of Agriculture (USDA). In the past, this program was the “Rural Development Guaranteed Housing Loan” program. Sometimes, it is still called this colloquially.

By insuring your mortgage with USDA backing it reduces your loan risk level. Doing this makes it possible for lenders in turn to offer you favorable rates, terms and features on your loan.

What Benefits Can You Expect With USDA Financing?

If you qualify for a USDA mortgage, these are the advantages which you can look forward to:

You could move into a home in a rural area with zero down.

Interest rates on USDA home loans are low and they only offer fixed rates.

USDA mortgages feature affordable closing costs.

With USDA financing, you will be eligible for discounted private mortgage insurance (PMI).

While you must meet the income requirements, you do not need a perfect credit score to obtain a USDA mortgage.

USDA mortgages can be used for home purchase, land purchase, home construction, or for repairs or upgrades.

Who Qualifies for a USDA Mortgage?

Whether or not you are eligible for a USDA mortgage depends both on your borrower profile and on the location of the property you want to purchase.

The house must be located in a “rural” area. This actually in some cases may resemble a suburban area. The only requirement is that the population for the area is capped at 35,000 people. That means that USDA rural loans are available in quite a few regions. Even if you are relatively close to a major city, you might well be able to obtain one of these loans.

Other requirements for qualifying for a USDA mortgage are as follows:

You must be a U.S. citizen, non-citizen national, or qualified alien

Your income must not exceed a maximum cap for your family size.

You must show a willingness to meet debt obligations

What Our Clients Are Saying

Facundo Lavino
Facundo Lavino
19:16 26 Oct 21
Nichole and Brian are AMAZING. They were resourceful, patient and made it happen for us. We got a new house thanks to them. Thank you very much
They did an amazing job of getting the rates we wanted and quickly with ease. I highly recommend them if you are buying in CA!
Shaktivan Chamba
Shaktivan Chamba
22:18 15 Oct 21
Brian and Nicole are a pleasure to work with. appreciate the clarity, availability to answer the many questions, capabilities to succuessfully fund, kindness, trustworthiness. thanks
Nauz Karami
Nauz Karami
14:42 13 Oct 21
It was such a pleasure to work with Brian and Nichole on this loan. As a real estate professional I work with so many lenders/ brokers so when it came time to choosing one for my personal deal I definitely had a lot of options. with that said I chose Brian and his team as they were the most responsive, gave me the best rate and we’re so on top of the file. The whole process was super easy and smooth and we didn’t have a single delay! Will definitely be sending all my clients to Grand Lending Team.
00:35 13 Oct 21
We had a great experience working with Nicole & Brian. They were efficient, professional, thorough, and made us feel comfortable throughout the entire process.

Apply for a USDA Loan Now

Ready to move into the rural home of your dreams with affordable interest rates, zero down and discounted PMI? The Best Home Loans is here to help you make it happen. Please call us now at (800) 293-2133 to schedule your USDA rural loan consultation in California, Texas, Florida, Illinois, or any of the 50 states.

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