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How Do I Qualify for a USDA Streamline Refinance?

How can you take advantage of lower interest rates and reduce your monthly payments when you have a USDA mortgage? USDA loans can be refinanced with the USDA Streamlined-Assist Refinance program and one of the best features... Read More

UPDATE – Improved Qualifying for USDA Overtime Income, Bonuses, and Commissions

In order to maximize your USDA sales price, calculating all available income is critical! However, because everyone is not paid the same, it is also important to understand the most recent and updated qualifying guidelines... Read More

How much USDA land can be purchased with a USDA home loan?

USDA loans are sought after by homebuyers since they allow for no down payment and offer financing flexibility. Additionally, USDA guidelines have recently improved in regards to how much acreage can be purchased with... Read More

USDA Property Eligibility: These property types are NOT eligible for a USDA loan

USDA property eligibility is a must know, but many times it’s easier to know what causes a property to be ineligible. In today’s video I will explain what property types are NOT eligible for a USDA loan and help keep... Read More

Is an Earnest Money Deposit Required With a USDA No Down Payment Loan?

Typically, when purchasing a home, a buyer will have two types of out-of-pocket expenses: down payment and settlement charges. With a USDA no down payment loan, the burden of a down payment is eliminated. However, remember... Read More

Well and Septic Required Distances for USDA and FHA Loans

What are the required distances for well and septic on USDA and FHA loans? Understanding USDA and FHA loan distance requirements between a well and septic are critical when determining eligibility and because it can be common... Read More

Can you finance the vacant lot next door with the same USDA loan?

In rural areas, what can be done when a seller wants to include their adjoining vacant lot as part of the same sale? Thankfully, USDA loans can be flexible when trying to include an adjoining parcel. However, it’s important... Read More

What are USDA qualifications for those with little or no credit history?

It is possible to qualify for a USDA loan with little or no credit history? When a homebuyer does not have an established credit history, USDA qualifications allow the ability to utilize non-traditional credit accounts. In... Read More

USDA and VA loans are No Down Payment mortgage options with BIG differences!

As a USDA and VA approved lender, one of the most common questions I receive is, “What are the differences between USDA and VA loan?”. Both USDA and VA loans are great no down payment mortgage options. However, it’s... Read More

How do you Calculate Florida Intangible Tax and Transfer Tax When Purchasing a Home

When purchasing a home, you never want to be surprised with out-of-pocket expenses.  Remember, even when purchasing with a USDA No Down Payment Loan, you still have to be prepared for other costs to complete the transaction... Read More

How do you Qualify for a Mortgage after Chapter 13 Bankruptcy?

After filing for Chapter 13 bankruptcy, many feel homeownership is a dream that is out of their reach. However, in today’s video, I’ll explain how you CAN qualify for a mortgage after Chapter 13 bankruptcy. In... Read More

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