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Here some highlights from the USDA Loan
USDA Home Loans are backed by the US Department of Agriculture. Since USDA Loans are insured by the government and are for the purpose of improving home ownership in rural areas no down payment is required. USDA Rural Development loans are a good for most borrowers looking to purchase a home outside of major metropolitan areas.
In order to qualify for a USDA Rural Development Loan your income must be not exceed 115% of the media income limit set by the USDA for your county and family size. The USDA Loan requires that the property by located in a rural area. Most towns with a population less than 20,000 are eligible. A credit score of 620 or greater is required to obtain a USDA Home Loan. USDA backed mortgages are for owner occupied properties only.
USDA Home Loans allow you to purchase a home with no money down! Unlike most other loan types, USDS Loans do not require mortgage insurance, making them more affordable than FHA or Conventional Loans. If negotiated into the purchase contract, the sellers are allowed to contribute towards the buyers closing cost, allowing the buyer to have little to no money out-of pocket.
USDA Home Loans have the standard closing cost associated with any home loan and require a 1% guarantee fee. This fee can be rolled into the loan making it easier for you to qualify if no money out-of-pocket.
USDA Home Loans require no down payment. – usda home loans
A USDA Home Loan must be used to purchase a primary residence in a rural area. – usda home loans
USDA Loans require a 3.5% Guarantee Fee that can be rolled into the loan up to 102% of the appraised value of the property. – usda home loans
A USDA Loan restricts its use to borrowers that earn less than 115% of the median income for the county. – usda home loans
USDA Loans require a minimum credit score of 620 to obtain financing. – usda home loans
Our goal at Security America is to match the best product to the needs of our clients. In addition to offering VA Home Loans, we offer USDA Home Loans. Contact us today to discuss your loan options and determine which loan is best for you!
Our Dedicated Team Is Here To Serve You!
Didi Siani Realtor Associate , Security American Realty, Inc
Didi Siani BK3273365 has been working successfully in Florida real estate for several years. In 2013, she co-founded DNA Real Estate where, working alongside wealthy investors out of Broward & Palm Beach county, she became an auction specialist and successfully flipped over 150 homes and generated millions of dollars in revenue.View Profile
Ryan Ward Realtor Associate , Security American Realty, Inc
Ryan Ward is a Real Estate Agent in Houston Texas TREC #0593120View Profile
Carlos Say Realtor Associate , Security American Realty, Inc
Carlos Say is a Real Estate Agent in Houston TexasView Profile
Garrett Puckett Founder & CEO , Security American Realty, Inc
Garrett started Security American Realty and hired real estate agents to serve the Veteran community and the Civilian community. He also formed Security America Mortgage to help Veterans utilize their VA Entitlement.View Profile
Jason Noble Chief Operating Officer , Security American Realty, Inc
Jason has been in the mortgage/financing industry for many years.View Profile
Gloria Mitchell Marketing Director
Gloria Mitchell is an experienced marketing directorView Profile
Francisco Beistegui Chief Technology Officer
Francisco is an experienced in web technology and web development.View Profile