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Category Archives For: USDA Loans

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How do you become USDA eligible?

USDA No Down Payment Loans – How do you become USDA eligible?

The USDA loan program is sought after by homebuyers due to their 100% financing, affordable terms, and flexible credit qualifying. That is why it is so important to understand the basics on how to become USDA eligible. In my opinion,
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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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USDA Mortgage Calculator: Here's how to CORRECTLY calculate a USDA monthly payment

USDA Mortgage Calculator: Here’s how to CORRECTLY calculate a USDA monthly payment

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 reviews exactly what should be calculated in
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Is your lender's USDA approval time affected by the USDA's fiscal year-end?

Is your lender’s USDA approval time affected by USDA’s fiscal year-end?

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 Family Housing
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USDA Property Eligibility

USDA Property Eligibility: What property types are eligible for a USDA loan?

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 for no
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