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Category Archives For: USDA Loans

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Can you qualify for a USDA mortgage with a tax lien or repayment plan?

Can you qualify for a USDA mortgage with an IRS tax lien or repayment plan?

I know that many of you are thinking that an IRS tax lien will automatically put a stop to the USDA loan process. However, USDA guidelines offer qualifying flexibility in cases of delinquent Federal tax debt. In today’s short video,
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USDA loan income limits have increased!

Just Announced: USDA loan income limits have increased!

As of May 4th, 2020 USDA loan income limits have increased. I bet you will be surprised at just how high they are! As you will see in today’s video, the USDA loan income limit increase can help homebuyers trying
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How many different ways can you get USDA loan approval?

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 forget to download our
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Improved USDA Income Eligibility for Part-Time and Second Jobs

UPDATE: Improved USDA Income Eligibility for Part-Time and Second Jobs

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 ability! In today’s video, I will discuss the recent
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USDA Rent to Own: Here's How to Buy the House you Rent with a USDA Loan

USDA Rent to Own: Here is How to Buy the House you Rent with a USDA Loan

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 is especially
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Temporary Exceptions for USDA Appraisals, Inspections and Employment Verification

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 a high amount of questions regarding
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How Do I Qualify for a USDA Streamline Refinance?

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 is that it does not
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Improved Qualifying for USDA Overtime Income, Bonuses, and Commissions

UPDATE – 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 used for calculating USDA overtime
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What is the USDA foreclosure wait period?

Qualifying after foreclosure: What is the USDA foreclosure wait period?

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 all waiting periods
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