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USDA Loan Basics Loan Articles

  • empty big city following social distance orders
    "Get Us Out of Here": Why American Urbanization Could Be In Trouble

    While living in the heart of a big city may have once been a dream, COVID-19 has flipped the switch on American’s desire to live in urban areas.

  • Front porch of house
    Do USDA Loans Require a Down Payment?

    One benefit of USDA loans is that qualified borrowers can get a loan for a primary residence with $0 down, and make homeownership affordable and accessible for many moderate- and low-income families.

  • person shaking hand with their lender
    5 Steps to Finding the Right USDA Lender

    Steps to finding the right USDA lender include looking for USDA Loan Expertise, Customer Service and Satisfaction, Structure of Loan Process, Comparing Rates, and Asking the Right Questions.

  • Person handing over the keys to their house
    Are USDA Loans Assumable?

    When a homebuyer assumes a USDA mortgage, it typically means they take over the outstanding mortgage balance with the same interest rate and terms as the current owner.

  • woman comparing usda and fha loans
    Comparing USDA and FHA Home Loans

    What’s the difference between a USDA loan and FHA loan? That depends on the buyer’s financial situation and long-term goals, but USDA loans tend to provide more advantages than FHA loans.

  • family standing in front of their new home
    10 Things Borrowers Don’t Know About USDA Loans

    The USDA loan is a zero-down mortgage option available to a large portion of the United States. Read on to find out all you need to know about how USDA loans work.

  • person conducting a usda home inspection
    Are Home Inspections Required for USDA Loans?

    USDA buyers should consider seeking a home inspection even though it isn't required for a USDA Loan, as they help buyers understand the property, and provide options if the home has defects.

  • person investing in a home
    USDA Loans and Investment Property

    USDA Loans are intended for primary residence, therefore buyers cannot use a USDA loan for investment property.

  • row of houses
    USDA Guaranteed Home Loan vs the USDA Direct Loan

    Many don’t realize that there are two types of Section 502 Single-Family Rural Housing Loans and mistake the USDA Single-Family Direct Loan with the Single-Family Guaranteed Loan.