Is an earnest money deposit required on a USDA loan? Many think that 100% financing is the same as “no money out-of-pocket”, but just because there is not a down payment involved, minimum out-of-pocket expenses may still... Read More

How do you qualify for a new Manufactured Home with a USDA No Down Payment Construction Loan? I have previously explained that it can be possible to purchase a new manufactured home with a USDA No Down Payment construction... Read More

How do you purchase a manufactured home with a USDA loan? I recently discussed the differences between manufactured and modular homes along with the available mortgage options, but today we are going to be very specific and... Read More

A Happy New Year to all and we have great news to report! 2019 maximum loan limits have been increased!   I wanted to dedicate this week’s blog to keeping everyone current and highlight the maximum loan amounts that... Read More

When can income from seasonal, second job, or part-time employment be used to qualify for a USDA loan? Whether it be retail, hospitality, agricultural, or customer service, seasonal work, a second job, and part-time employment... Read More

Can you purchase land separately with a USDA No Down Payment Construction loan? In today’s video, I will explain how purchasing land can be included with the USDA construction to permanent mortgage along with other eligible... Read More

What is Rapid Credit Rescoring? If you are trying to qualify for a mortgage, can your credit score improve in less than a week? What is the process of updating your credit through a rapid rescore? In today’s video,... Read More

What is the difference between a modular and manufactured home and what mortgage financing is available? In today’s video I will share some differences between the two property types and explain what mortgages are available... Read More

First off, I want to wish everyone a Merry Christmas and hope that these last few days of the year are treating you well! Since we began offering the USDA No Down Payment Construction to Permanent loan program we have received... Read More

What tests are required by USDA when the property has a private well? So, what are the necessary steps when dealing with a private well on a USDA loan?  As you can imagine, this is a common question that I receive from both... Read More