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RHS/USDA Loans Made Easy

How much does a USDA Loan Cover?

The United States Department of Agriculture (USDA)/Rural Housing Service (RHS) Loan offers a 100% financing program with no down payment. It's designed to help low to moderate-income families buy homes in eligible rural areas.

What is it?

The RHS loan provides no down payment financing in select rural areas. This in turn, attracts home buyers to less dense population areas. However, the family income cannot surpass an income threshold, and the property must be located in an eligible area.

Give me all the details.

The home must meet FHA guidelines.

USDA home loans are assumable.

Gifts & grant programs are often available in conjunction with this loan, depending on where you are located.

The property cannot be income producing.

It is possible to qualify for a loan from the RHS. This is true even if you have gone through bankruptcy or foreclosure. The only requirement is that you have successfully restored a favorable credit history.

You must have a minimum credit score of at least 580 to qualify. You can find more information here.

About Belinda Bay

Belinda has been with Stockton Mortgage since 2003. She is a seasoned mortgage banker with almost 20 years of experience in mortgages and loans. Throughout her career, she has served a variety of clients. These include first-time home buyers, repeat home buyers, and investors.

She earned her finance degree from the University of Kentucky. She has also had specialized training in Kentucky Housing loans, Rural housing, FHA and VA loans.

Belinda has helped guide hundreds of customers through the USDA loan application process. From application to approval, Belinda is here to help guide you through the process.



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Subject to approval. Property insurance required for all loans secured by property. Rates are subject to change daily. Contact Belinda Bay for current rates. NMLS #50602. The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible and the consumer should consult their tax advisor. May require you to take out private mortgage insurance, or PMI. Program conditions subject to change without notice. Rate lock period is 30 days. The details listed are for informational purposes only. It is provided to assist you in determining an estimate of lender fees that may be present and an estimate of your proposed monthly mortgage payment. There are other costs you will incur, not associated with the lender fees. These costs are paid to third parties involved and are standard in all mortgage transactions, such as title/attorney costs, appraisal, taxes and escrows. You will receive an official Loan Estimate after applying, which will provide you with a detailed breakdown of all closing costs.