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Temporary Exceptions for USDA Appraisals, Inspections and Employment Verification

Date: April 3rd, 2020 | Category: Front Page, USDA Loan Process, USDA Loans

Temporary Exceptions for USDA Appraisals, Inspections and Employment Verification

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 Do I Qualify for a USDA Streamline Refinance?

Date: March 27th, 2020 | Category: Front Page, USDA Guide, USDA Refinance Options

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

Date: March 20th, 2020 | Category: Front Page, USDA Loan Process, USDA Loans

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

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

Date: March 13th, 2020 | Category: Front Page, USDA Loans, USDA Property Eligibility

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

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

Date: March 6th, 2020 | Category: Front Page, USDA Loans, USDA Property Eligibility

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

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

Date: February 28th, 2020 | Category: Front Page, USDA Credit Qualifying, USDA Loans

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

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

Date: February 14th, 2020 | Category: Front Page, USDA Loans, USDA Property Eligibility

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

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

Date: February 7th, 2020 | Category: USDA Loan Benefits, USDA Loans, VA Loans

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

What are current USDA income limits in Florida?

Date: February 5th, 2020 | Category: Front Page, USDA Income Limits, USDA Loans

USDA income limits in Florida

Often times, home buyers and realtors are often surprised at how high USDA income limits in Florida actually are. In fact, these high limits benefit families who are trying to increase their maximum USDA qualifying sales... Read more

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

Date: January 31st, 2020 | Category: USDA Loan Process, USDA Loans

Earnest Money Deposit With a USDA 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

How Do I Qualify for a USDA Loan?

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