It’s Hard to Find Good Advice

When you are faced with the opportunity to purchase a home, it’s very common to have a lot of questions. You can research endless websites, go to the library or ask friends or family member who may have gone through the same process in prior years.  With the mortgage industry constantly changing, and with all the different types of loans you may qualify for (such as conventional, FHA, VA or USDA loans ) my suggestion is to contact a reputable company, as Consumer Real Estate Finance Company. Not only will you have the opportunity to talk with a licensed Loan Officer who understand all the different programs and by just a few questions answered, he or she can pre-qualify you for a loan that best fits your needs.


Another great asset that is offered through Consumer Real Estate Finance Company are “short films”. They may seem simple, but very useful. See attached clip. Viewing this will not only give you a better idea of what you are about to experience, but it will most likely put your mind at ease. You will KNOW that you are being taken care of, when financing your loan with a Loan Officer from Consumer Real Estate Finance Company.

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Rural Loans

The USDA Loan is a no down payment loan, put in place to populate the rural areas of the United States. The property cannot produce income, for example, it cannot be used as a rental property or any kind of farmland. USDA Loans have household income caps, meaning you can’t make too much money as a household. For a family under 5 people, the income cap is usually around $75,000, but that varies on the county. The home needs to be built, move-in ready, and not sitting on too much land. The value of the land cannot exceed more than 30% of the entire property. My job here as a loan officer assistant is to go over some basic information and see if you can qualify for this type of loan. Compared to a conventional loan, the credit requirements are much easier to meet. A 640 credit score is required. We would like to see at least 2 years of job history, and also 2 years of rental history. If you qualify for the rural development loan, you will be assisted by a loan officer who can go over this information in more detail, and let you know your pre-approval amount. If you don’t have a realtor we will assign one for you, and you can get out there and start shopping for a home. If you have any questions or concerns during the process, your loan officer will be able to assist you. We hope to hear from you soon.

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Zero Down Purchase Loans

Let Consumer Real Estate help you get started in the pursuit of purchasing a new home!


Here at Consumer Real Estate we specialize in helping individuals utilize the USDA Home Loan Program to make the dream of home ownership a reality.


The USDA Home Loan program is a 100% financed program that allows people to purchase a new home with no down payment at all.  It is meant to make the home buying process a bit easier and put less financial strain on an individual at the time of purchase!

What is the USDA Home Loan Program?

  • It is designed for move in ready homes, that are single family in size, stick built, and can have up to 10 acres of land
  • It is meant to develop rural areas and help construct communities outside of major cities
  • Allows individuals and families to purchase homes without financial strain that takes away from other aspects of life

This program is designed for anyone looking to purchase a home!  If you think this is something that you would like to look into, we will do anything and everything possible to help you get into a new home!


Consumer Real Estate will work directly with you throughout the entire process, keeping the best interests of the buyer in mind at all times.  It is our goal to make the home buying process as easy, stress free and successful as possible for all clients that choose this company, and to get them into a program that suits their needs best and costs as little as possible.


Please, Let us know how we can best help you as far as getting into a new home!

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CREFCO Can Help With A USDA loan

USDA surprises and excites the market!!  This is the traditional 30 year mortgage with an affordable payment.  That’s right, affordable as in really little MI or MIP or PMI or whatever it is that you know it as.  I did say affordable and so yes, without a huge jump in rate.  No down payment is the answer to many folks living pay check to paycheck.

Purchasing a home sure can rock the emotions.  Keep in mind it’s a process and takes time.  CREFCO is the team that will walk you through it step by step.  Why CREFCO, maybe it’s our knowledge and experience.  Maybe it’s our loving staff that makes the extra effort to answer the call when you have questions.  Maybe it’s our honesty in preparing expectations… I hear it all from the good client that keep the referrals coming, a big Thank you to you all!!

Let’s take a good look before getting to far… what starts out right ends up right!!  USDA does have income limits that can disqualify… what what?  The variable’s to calculate this can be more than a one night study, just give us a call and let us do what we do ; )  Really, with USDA being our passion nobody noes it like we know it.  It’s not just the income that can make or break it but location is another.  USDA was originally set to endear or pull folks out of the big cities and put the smaller towns on the map.  Get your very own home with no down payment sure can be appealing, maybe just appealing enough to move a little farther out.  Good for many, this mortgage product wasn’t born yesterday and so many of these (what were small towns) are now on the map and in a big way!!

This product is either for you or it’s not.  If it’s not, no worries… USDA is exciting but is not the only exciting product we have (just our favorite: )

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