USDA Home Loans
Everyone's financial situation is unique, and we’re here to find the right mortgage solution for you. With expert advice and access to competitive rates, we make the process smooth and stress-free.
USDA Rural Development Home Loans
Backed by the United States Department of Agriculture (USDA), these loans make it easier for low- to moderate-income households to buy homes in rural and suburban areas. While intended for non-urban locations, many eligible properties are in small towns or villages near major cities.
Key Features & Benefits
Zero Down Payment – Buy a home with no money down.
Low Interest Rates – Competitive rates compared to conventional loans.
Flexible Credit Requirements – More lenient than other loan programs.
0-Year Fixed Rate – Predictable payments with no surprise rate changes.
A USDA loan could be your ticket to affordable homeownership in a quiet, suburban, or rural area. Let’s explore your options today!
Pros and Cons of USDA Home Loans
Advantages
No Down Payment – Purchase a home with zero money down.
Flexible Credit Requirements – Allows for non-traditional credit history.
Lower Closing Costs – No cap on seller contributions or gift funds.
Disadvantages
Location Restrictions – Home must be in a USDA-eligible rural area.
USDA Guarantee Fee – A required fee for securing the loan.
Your Next Steps
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Tiffinie Larkins
Mortgage Broker
License# 2169349
Brokerage License # 1862092
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