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We lend USDA Mortgages in All 50 States!
                             
SSN# Not Required!
No Obligation, Just an Inquiry!
Low 30Yr Fixed Rates!

                          USDA Alternative

USDA Home Loans Buyers Guide

This website is dedicated to home buyers nationwide who are seeking to take advantage of the USDA Home Loan program. (aka, USDA Mortgage, Rural Home Loan, USDA Mortgage Loan, whatever you call it, it's all the same)

Here, you will find the basics of the USDA Home Loan program to decide if it sounds right for you and if so, you can use our inquiry form to get more information. We originate this program in all 50 States!

The USDA mortgage program is one of the last true No Money Down programs!

Sincerely and I hope you find this website useful,

Chuck Yurch

USDA Home Loan Specialist
ENG Lending


USDA Mortgage Key Highlights
  • No money down! (one of the last no money down programs)
  • No PMI Insurance!
  • Low 30 year Fixed Rates!
  • Government Backed (United States Department of Agriculture)
  • Relaxed Credit Guidelines (similar to FHA and VA)
  • Standard Single Family Homes (no duplexes or "fixxer uppers")
  • No mobile homes
  • Cash reserves NOT required!

USDA Credit Info

Similar to FHA and Veterans loans, USDA has some pretty relaxed credit guidelines. I think you'll find their credit requirements to be reasonably fair!
Click here to read their basic credit guidelines.

USDA Property Eligibility

One of the most unique features is USDA's property eligibility. They have both location limits and property type requirements. These property eligibility guidelines are straightforward.
Click here to read more on basic property eligibility guidelines and to use the Location Tool

USDA Income Eligibility

USDA home loans do have income limits. These income limits are fair and based on "moderate income" for the County you plan to buy in.
Click here to read more on USDA Income Limits and to use the Income Limit Tool