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USDA Loans

USDA Loans

Most home buyers are not aware that there is a USDA (United States Department of Agriculture) Zero Down Home Loan. The USDA Rural Development Mortgage/RD loan is a government sponsored home buying program that promotes home ownership of low to moderate income families, primarily geared toward 1st time home buyers. This mortgage product is available through a lender like us. If you qualify for a USDA mortgage, in most cases it can be a more affordable loan option then the FHA Mortgage.

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Basic highlights of USDA Home Mortgage program: 

  • Zero Down Home Loan 
  • Low 30 Year Fixed Rate 
  • Great Product for Borrowers with little or no money down 
  • Great Product for First Time Home Buyers in Oklahoma 
  • Lower Monthly Mortgage Insurance (PMI) than FHA Loans & Conventional Loans 
  • Single Family Homes 
  • Manufactured Homes 

 

Check USDA Mortgage Program Eligibility: 

Max Yearly Income Restrictions: Rather than having a loan limits, USDA has household max income limits, which vary by county and household size. For most of the counties in Oklahoma the Max Household income limits are as follows: 1-4 Person Households $74,750 5-8 Person Households $98,650. Check your USDA Income Restrictions in your area. 

Location Restrictions: USDA Home Loans have location restrictions. Check qualifying areas in Oklahoma.

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