USDA credit score guidelines formerly listed specific minimum credit score requirements, and a credit score cutoff for loans that should not be approved… but USDA credit score guidelines have recently been updated. In... Read more

So, how do you CORRECTLY calculate a USDA payment?  Unfortunately, many USDA mortgage calculators have not been designed to handle USDA specifics and thus end up providing inaccurate numbers. As such, today’s video... Read more

What happens if your qualifying budget needs a little boost in order to qualify for a home that seems to be just out of reach?  What if you were just denied for a loan because your USDA debt-to-income ratios were too high? In... Read more

Once you have found the perfect home, what should you do if the property is located on a private road? How can a private road affect your mortgage approval? Thus, today’s video will discuss what to do when the property... Read more

Don’t let a lender hold up your closing because they say the “USDA is out of money”! USDA’s fiscal year runs from October 1st until September 30th and at the beginning of each fiscal year, the USDA Single... Read more

When you hear about USDA loan benefits, such as 100% financing or the ability to finance closing costs, it can be easy to focus on the financial advantages and then forget about USDA property eligibility. USDA loans allow... Read more

Sellers can sometimes be hesitant to accept USDA financing for their property, but this is often due to common misconceptions about the USDA program. With that being said, today’s video focuses on 3 important USDA Financing... Read more

There are key terminology differences between USDA, FHA, and Conventional mortgages. This includes the topic of Private Mortgage Insurance. In today’s video, I will break down the differences in terminology, compare... Read more

Unlike USDA loans which allow up to 6% of the sales price towards seller paid closing costs, VA loans can provide for even higher flexibility and have unique guidelines. However, this topic also brings quite a bit of confusion,... Read more

Last week we discussed five important things to do during the mortgage application process. Instead, today, we will review what NOT “To Do” while trying to gain USDA mortgage approval. The following video will... Read more