In today’s video, I will explain how the USDA program can maximize your home loan qualification and also break down the different ways you can obtain a USDA Loan Approval. However, before we get started, don’t... Read more

USDA income eligibility guidelines have recently been updated and now allow for more flexibility with earnings received from part-time and secondary types of employment. This means enhanced USDA income eligibility and qualifying... Read more

Can you buy the home you are renting with a USDA loan? As more renters transition into homeownership, USDA rent to own opportunities are increasing for those homebuyers who want to purchase the home they are renting. This topic... Read more

On March 27, 2020, the USDA published guidance on how to handle certain exceptions to USDA appraisals, inspections and employment verification prior to closing. While today’s video is longer than usual, we have received... Read more

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

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

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

A waiting period determines how quickly you can qualify for a mortgage after foreclosure. However, that period depends on the mortgage type you are applying for. Today, we focus on the USDA foreclosure wait period. To see... Read more

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

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