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USDA Loan Articles

Read about USDA Loan News, Updates and Guidelines

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View All → Acceptable USDA Loan Uses

  • USDA Construction Loans for New Homes

    Through the USDA’s combination construction-to-permanent loan, or single-close loan, homebuyers wishing to build a home with a USDA loan can do so. The single-close loan ...

  • USDA Energy Efficient Homes

    USDA Energy Efficient MortgageWhether you’re interested in reducing energy bills or would like to make less of an environmental impact, you can do so though ...

  • How to Get a Condo with a USDA Loan

    If a single-family home is out of your price range or you’re simply looking for a lower-maintenance property, condominiums can offer an ideal living situation. ...

  • All About USDA Loans for Manufactured Housing

    USDA loans can be used on manufactured or modular housing, but the unit and property site must meet additional property requirements to be approved for USDA financing.

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  • Using Gift Funds for USDA Loans

    The USDA loan program offers $0 down home loans to purchase properties in non-urban areas.Even though USDA loans are available with no money down, buyers ...

  • Owning Additional Property with a USDA Loan

    Many people wonder if they can own another property and apply for a USDA loan. Like a lot of things in the mortgage industry, the ...

  • USDA Loans after Bankruptcy or Foreclosure

    Blemishes on your credit can happen – and bankruptcy or foreclosure can be a particular concern for those hoping to buy a home with a ...

  • USDA Loan Credit Score Requirements

    Things are getting tougher out there for homebuyers between rising home prices and climbing interest rates.But for people wanting to live in suburban or rural ...

  • Explaining the USDA’s DTI Ratio

    One way that lenders determine how much money you can borrow is with a debt-to-income (or DTI) ratio. Your DTI ratio shows what percentage of ...

View All → USDA Loan Basics

  • Do USDA Loans Require a Down Payment?

    Accessibility to homeownership is a pillar of the USDA loan program. one of the most important benefits of USDA loans is that qualified borrowers can ...

  • 5 Steps to Finding the Right USDA Lender

    The USDA loan program was established to boost homeownership for Americans who want to purchase in qualified rural or suburban areas. The program allows eligible ...

  • Are USDA Loans Assumable?

    USDA loans have a number of benefits – chief among them the fact that there is no down payment required. While they have the reputation ...

  • Comparing USDA and FHA Home Loans

    For many low- and middle-income earners, the USDA loan and the FHA loan are the best mortgage options out there. Offering a low barrier to ...

  • 10 Things Borrowers Don’t Know About USDA Loans

    If you’ve never heard of a USDA loan, you’re not alone. In fact, you might even call the benefits of USDA loans a well-kept secret. ...

View All → USDA Loan Process

  • Qualifying Income for USDA Loans

    The USDA loan program was designed to help homebuyers in rural areas purchase a home with no money down. Along with restrictions on property locations, ...

  • How Long Do USDA Loans Take To Close?

    Buyers considering a USDA loan often want to know how long it takes to close on a USDA loan.Every homebuying situation is different. But once ...

  • How to Apply for a USDA Loan

    With flexible credit requirements and no down payment, it’s no wonder USDA loans have become a popular option among today’s homebuyers. To be eligible, you’ll ...

  • An In-Depth Look at USDA Loan Closing Costs

    USDA loans feature some significant benefits, especially for first-time homebuyers. The largest advantage is that there’s no down payment required, but these flexible government-backed loans ...

  • USDA Underwriting Guidelines

    Underwriting is the process by which a lender evaluates the risk of a borrower, as well as their eligibility for a specific loan program. There are ...