USDA Loans
Imagine being able to buy a home with no down payment, enjoying lower-than-average mortgage rates, and paying less for mortgage insurance. This isn’t just a dream—it's a reality with the USDA home loan program. Tailored to help low- and moderate-income individuals achieve the American dream of homeownership, these loans are a fantastic option if traditional financing is out of your reach.
Here’s why USDA loans are such a great choice:
- No Down Payment Required: Jump into homeownership without the upfront financial burden.
- Competitive Mortgage Rates: Enjoy interest rates that are typically lower than standard mortgage rates.
- Reduced Mortgage Insurance Costs: Pay less in mortgage insurance, reducing your monthly expenses.
USDA loans are backed by the U.S. Department of Agriculture as part of its Rural Development Guaranteed Housing Loan program, aimed at encouraging homeownership in designated rural and suburban areas.
Who Qualifies?
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This program is perfect for those looking to buy their first home or those moving from renting to owning. If you're planning to purchase in a rural or suburban area and meet the income criteria, a USDA loan might be the ideal solution.
📚Resources:
USDA income limits: SFH Section 502 GLP Eligibility Check Worksheet (usda.gov)
USDA eligible areas: Eligibility (usda.gov)
Ready to Get Started?
*This communication is for informational purposes only, this is not a commitment to lend. Individual buyer's financial circumstances may be different and may result in different interest rates, costs, and payments. All programs are subject to change or cancelation at any time and without notice. Please consult your licensed Loan Originator to learn more about mortgage products, your eligibility, and ask for an official Loan Estimate before choosing your loan.
Ready to Get Started?
Schedule a FREE one-on-one call with me or get started now by applying with our FREE online mobile app.
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John King — Loan Consultant / Branch Manager
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CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. Licensed Mortgage Banker – NYS Department of Financial Services. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans are subject to underwriting approval. Certain restrictions may apply. Call for details. Certificate of Eligibility is required for VA loans.
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