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USDA Loans
Affordable Homeownership in Rural Areas
We'll help you find the right loan program. If you're not quite ready, we will help get you there.
WHAT ARE USDA LOANS?
USDA loans, backed by the United States Department of Agriculture, are designed to help low-to-moderate-income families in rural areas achieve homeownership. These loans offer zero down payment options and competitive interest rates, making homeownership more accessible..
WHAT ARE the benefits of an usda loan?
No Down Payment: 100% financing available, making it easier to purchase a home without a large upfront cost.
Competitive Interest Rates: Often lower than conventional loan rates, reducing your monthly payments.
Flexible Credit Guidelines: More lenient credit requirements compared to conventional loans.
Low Mortgage Insurance: Lower mortgage insurance premiums than FHA loans.
what are the eligibility qualifications of a USDA LOAN?
To qualify for an FHA loan, you must meet the following requirements:
Income Requirements: Must fall within the USDA’s income limits for your area, which are typically set at 115% of the median income for the region. This includes all income from household members, even if they are not on the loan.
Location: The property must be in a USDA-eligible rural area, which can be verified using the USDA’s property eligibility map.
Credit Requirements: Most lenders require a minimum credit score of 640.
Debt-to-Income Ratio: USDA loans typically have a DTI limit of 41%, with exceptions up to 44% for borrowers with higher credit scores and stable employment.
Primary Residence: The home must be used as your primary residence.
Property Standards: The property must be in a USDA-eligible rural area and generally must be under 2,000 square feet.
How Do i apply for a usda LOAN with you?
These are the steps to secure a USDA loan:
Verify Property Eligibility: Use the USDA’s property eligibility tool to ensure the home is in an eligible area.
Check Income Limits: Confirm that your household income falls within the USDA’s income limits for your area.
Gather Documentation: Prepare necessary documents, including proof of income, tax returns, and employment history.
Find a USDA-Approved Lender: We will help you find a lender who is approved to offer USDA loans.
Submit Your Application: Complete the online loan application using our industry leading software and provide the required documentation.
Home Appraisal: The property must be appraised to ensure it meets USDA standards.
Close on Your Loan: We will help you review and then sign the final loan documents to complete the home purchase process.
Congratulations on your new home loan!
Your Future Starts Here
Applying with Integrity Home Funding is secure and customized to your needs. Not sure if you are ready? Give us a call and we will walk you through it!
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Licensed In: Oregon & Washington | Company NMLS: 2477880 | WA LIC: CL-2477880
6975 SW Sandburg Street, Suite 120 Tigard, Oregon 97223
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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