USDA Loans

About our USDA Loans

This product offers 100% financing for qualified buyers as long as they fit into a geographic and income bracket In order to be eligible for many USDA (United States Department of Agriculture) loans, household income must meet certain guidelines. Also, the home to be purchased must be located in an eligible rural area as defined by USDA


  • Meet Income-eligibilty
  • Agree to personally occupy the dwelling as their primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs
  • Demonstrate the willingness to meet credit obligations in a timely manner
  • Purchase a property that meets all program criteria


  • No down payment required
  • 620 minimum Fico score for most lenders
  • Low amount of monthly mortgage insurance required
  • One time financed Funding Premium is financed into the loan amount, much like FHA
  • Underwritten to general FHA standards
  • Competitive interest rates
  • 6% seller/lender contribution allowed


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5450 E High St #275
Phoenix, AZ 85054
NMLS# 454708
AZ License #BK-0904162


4750 S Biltmore Lane
Madison, WI 53718
NMLS# 2289
NMLS Consumer Access