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Category Archives For: USDA Credit Qualifying

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How soon can you qualify for a USDA loan after foreclosure?

How soon can you qualify for a USDA loan after foreclosure?

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 will focus on how quickly you can qualify for a USDA loan
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When is verification of rent required for USDA eligibility?

When is verification of rent required for USDA eligibility?

Do USDA loans require verification of rent? Do you have to prove previous rental history in order to be USDA eligible? Today’s topic is important because USDA guidelines do not always require verification of rent. In this short video, I’ll
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UPDATED GUIDELINES: USDA Credit Score Minimums

UPDATED GUIDELINES: USDA Credit Score Requirements

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 today’s short video, I will discuss current
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What are USDA qualifications for those with little or no credit history?

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 today’s video, I’ll discuss
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Does a disputed account on your credit report affect qualifying for a USDA loan?

Can you still qualify for a USDA loan with a Disputed Account on Your Credit Report?

Are there unintended mortgage consequences of disputing an account on your credit report? As per USDA Guidelines under the 3555 Handbook, “Disputed accounts on an applicant’s credit report are not considered in the credit score.” Meaning, the mere presence of
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