USDA Loans

What Are USDA Loans?

USDA loans are a 100% financing option for some buyers but they have a funding fee of over 2% which is rolled into the loan, many layers of extra restrictions, income limits, purchase price limits and geographic area restrictions. There are actually too many layers to write out so ask about this specifically with your loan officer. This program does offer no down payment to folks with FICO scores over 640 who want a little more space away form the city. You can check property eligibility here; Eligibility (usda.gov)

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