Unlock Your Dream Home with a USDA Loan!
Discover the Benefits, Eligibility, and How to Get Started Today!
Affordable Homeownership Starts Here
Looking for a great way to buy a home with little to no down payment? USDA loans could be perfect for you! These government-backed loans are designed to help people in rural and suburban areas become homeowners with competitive interest rates and low closing costs
What is a USDA Loan?
A USDA loan is a government-backed mortgage designed to help low-to-moderate income families purchase homes in eligible rural areas. This loan program aims to promote homeownership in less populated regions by offering attractive benefits and incentives.
Basic Requirements
No Down Payment
USDA loans often do not require a down payment, making homeownership more accessible.Low-Interest Rates
Competitive fixed interest rates compared to conventional loans.Flexible Credit Requirements
More lenient credit score requirements.100% Financing
Financing for the full purchase price and eligible home repair costs.
Eligibility Criteria
Geographic Requirements
The home must be located in a designated rural area.
Income Limits
Household income must not exceed the established limits for the area.
Credit Score
A minimum credit score of 640 is generally required, though some lenders may accept lower scores
Residency
The home must be the applicant's primary residence.
Pros of Choosing A USDA Loan
Affordable Homeownership
With no down payment and low-interest rates, USDA loans make buying a home more affordable.
Lower Monthly Payments
The program helps reduce monthly mortgage payments through favorable loan terms.
Flexibility in Property Types
You can use the loan for various property types, including new constructions, existing homes, manufactured homes, and more.
Start Your Journey to Homeownership Today!
Are you ready to explore the benefits of a USDA loan? Contact us now to determine your eligibility and begin your application process. Don't miss out on the opportunity to achieve your homeownership dreams with this affordable and flexible loan program.
Frequently Asked Questions
Can I use a USDA loan for home improvements?
Yes, USDA loans can include funds for home improvements and repairs.
Is mortgage insurance required?
Yes, USDA loans require mortgage insurance, but it is typically lower than private mortgage insurance (PMI) for conventional loans.
What areas are considered rural?
The USDA provides a property eligibility map to determine if a home is in an eligible rural area.
Get In Touch
Charlie Compass
NMLS# 2067336
12313
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compli©2026 Home Possible Brokers Inc. - Corporate NMLSID # located at . All rights reserved. DBA: . Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Compass Mortgage Team strives for compliance with all applicable state laws and federal regulations pertaining to mortgage lending, advertising, and marketing laws. THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered. All loan programs, terms and interest rates are subject to change and/or discontinuance without advance notice. Equal Housing Opportunity. ©2026ance
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