USDA Program Benefits

The USDA home loan is a fantastic loan program that has been around for decades helping those with lower income to accomplish the American dream of home ownership.   Whether you are a 800 credit score of a 650 credit score, this loan is made available to all qualified applicants.  The main idea behind the USDA home loan is to help develop rural communities but that is not all.  The special thing about the USDA home loan is its 100% financed, meaning you do not have to make a down payment on your home!  Combined with the 6% seller concessions (money from the seller to help pay for the buyers closing costs) you can potentially get into a new home with ZERO money out of pocket.  This home loan is fantastic for those who have recently graduated (with very little money saved) or for individuals going through a tough stretch in their lives looking for a new start.  A brief run down on qualifications and eligibility for the loan:  homes need to be single family in size, stick built (no manufactured homes or mobile homes) and move in ready.  As far as qualifying as an individual, that is quite simple too.  All you need to do is go to and fill out some quick and easy information or you can call one of our agents who will be more than happy to help walk you through the pre-approval process step by step.   Let us help get you home! CREFCO J

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