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What is the Income Limit for USDA Rural Development Loans?

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Did you know that if you buy a home in a rural area that you might be able to get a loan with no down payment requirements? Did you also know that a large majority of the US is considered rural according to the USDA? That’s right, you don’t have to live next to the horse farm in order to qualify.  Read more

Application to Closing: How Long do USDA Loans Take?

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It’s a common myth surrounding the USDA loan that it takes ‘forever’ to get to the closing. It really doesn’t take too much longer than any other loan on the market. While there is one extra step USDA lenders have to take, if they do their job right, it won’t take very long.Compare Offers from  Read more

What are the USDA Loan Home Condition Requirements?

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The USDA loan allows buyers in rural areas with low to moderate income to buy a home with no money down. While it sounds great, you can’t just go out and buy any home. The USDA wants lenders to make sure the home is safe, sound, and sanitary. At a minimum, the home must pass the USDA’s minimum  Read more

Is There Mortgage Insurance (PMI) on USDA Loans?

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USDA loans are a government program that provides low to middle-income borrowers with 100% financing. If you fit the income requirements, you can buy a home in a rural area with no down payment. Many people want to know if the USDA then charges mortgage insurance or PMI on the loan, like  Read more

How to Find Listings of Rural Development Homes for Sale

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If you are willing to live in a rural area, you have the benefit of applying for USDA financing. As long as you meet the maximum income guidelinesfor your area (you don’t make too much money), you may qualify. But how do you know which houses qualify for this financing?Compare Offers from  Read more

FHA Loans Articles

How to Find Out if HUD Owes you Money

Have you ever had an FHA loan? If so, you may be eligible for a refund of part of the upfront mortgage insurance you paid. The FHA has hundreds of

Important Articles

Creative Ways to Cover Closing Costs

Closing costs can cost anywhere from 2 to 5 percent of the loan amount. That’s a significant amount of money, especially when you are buying a home

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IMPORTANT MORTGAGE DISCLOSURES:

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.