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USDA Credit Qualifying

There is no minimum credit score requirement set for a USDA loan. However, many lenders may require a score of at least 640 or even higher. If you are concerned about your credit score, please call us for a more in depth review so we can help explain the credit qualifying requirements of USDA.

Additionally, if you are unable to qualify for automated accepted through the Guaranteed Underwriting System (GUS), which is USDA’s automated underwriting system, that automates the process of credit risk evaluation, it is possible to qualify through the process of manual underwriting which is a more intensive review of the loan file.

Additionally, even people without a credit score reporting may be able to qualify, through documenting alternate trade lines also known as non-traditional credit such as verified rent, electricity, water, etc. Remember that manual underwriting requirements can vary from lender to lender.

 

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BBB Online Reviews

Metroplex Mortgage Services, Inc. is a BBB Accredited Mortgage Lender in Tampa, FL

Zillow Reviews

5 stars on 9/29/2022

Great team and very knowledgeable! They went about and beyond to care for our needs. Made the loan process simple. Thank you all again!

5 stars on 3/29/2018

Sean and his team exceeded my expectations. They were a wonderful group to work with, keeping me updated every step of the way. A special thanks As they kept me in the loop, and went above and beyond to assist in my lending and closing process. I would definitely recommend this company to all of my friends and family. A great team!

4 stars on 9/19/2022

I found Sean and his team online and was very glad that I did. They worked hard to make sure my husband and I closed on our new home on time. Special shout out to Dorie! She has this voice of just pure calmness and knows how to keep you focused on the end goal! Metroplex Mortgage helped us achieve our dream of country living....thanks to all!

See all 261 Reviews on Zillow

USDA Loan Calculator

Use This Calculator To Help Stay Within Your Budget:
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Total Estimate
*Taxes and Insurance can vary from property to property.
Note: This USDA Loan calculator is for estimating purposes only and is neither a Loan Estimate or Commitment to Lend. Minimum credit conditions will apply on all loans.

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Florida, Alabama, Tennessee

8622 N Himes Avenue
Tampa, FL 33614
Office: 813-935-8330
FL, AL, TN, NMLS# 185264
Sebring, FL Branch NMLS# 2152298

Texas

13612 Midway Road, Suite 333-05
Dallas, TX 75244
Local: 972-934-1223
NMLS Branch License #356690

A+ BBB Accredited Business

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BBB Rating: A+

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NMLS Consumer Access
FL, AL, TN, NMLS# 185264
TX Branch NMLS# 356690
Sebring, FL Branch NMLS# 2152298


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Copyright © 2010 – 2017 Metroplex Mortgage Services, All rights reserved. We lend in the following states: Alabama, Florida, Tennessee & Texas. As a USDA Approved lender, we are not endorsed or affiliated by the U.S. Department of Agriculture. Any loan program may require sufficient equity and certain conditions may apply.

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