With the help of the USDA Home Loan program, buying a new home in California just got a tad bit easier. Backed by the U.S government, these no money down, fixed interest rate loans offer 100% financing on qualifying California homes. And, with the help of the lending experts of Consumer Real Estate Finance Co., you may be able to make your dream of homeownership become a reality.

  • No Maximum Loan Amount on California Property
  • Flexible Credit Guidelines for Qualifying California Residents
  • Low Fixed Interest Rates
  • Both New and Existing Properties May Qualify

California Areas that Qualify for a USDA Loan

Take note that properties that are eligible for USDA Loans are not solely restricted to one of California’s great agricultural areas. Instead, many properties located near some of California’s major metropolitan areas do qualify. To be USDA Loan Eligible, the area in which the property is located must be outside city limits and have less than 20,000 residents.

Remember: never assume that your property is not eligible. If you are in doubt, the experts here at Consumer Real Estate Finance Co. can offer guidance. Fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

California’s USDA Loan Income Limits by County

There are a couple of other restrictions that affect USDA Eligibility. These include credit history and income limits.

Credit History: The USDA Rural Development loan program does not have a strict credit score guideline. Rather, it evaluates your credit history in an effort to ascertain your willingness to meet repayment obligations.

Income Limits: If the home is in an eligible area, you must not exceed the current yearly USDA income limit set for your county. View the chart below for a list of California USDA Loan Income Limits by county.

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Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for a California USDA Loan, contact us today.