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USDA Loans

Eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing, 

and it’s a program that we offer our clients here at Sun American Mortgage. 

LET’S GO USDA!

Considering the unique benefits of the USDA mortgage loans? You might be thinking it’s only available to first-time home buyers. But the fact is, all families within the 115% of the median income for their area, are eligible for the benefits – even if they have owned a home in the past. This also includes those who currently own a home that is not in the local commuting area. Pretty amazing if you ask us. Let’s get started!

If you’ve never heard of the USDA loan program, you’re not alone. It’s a niche product serving a fraction of the U.S. housing market, and most banks don’t offer them. However, eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing, and it’s a program that we offer our clients here at Sun American Mortgage. 

USDA loans are intended for moderate-income families, those having annual household income at or below 115% of the median income for the area. USDA loans are insured by the U.S. Department of Agriculture and the program’s biggest feature is its option for “no money down” financing. Via the USDA you can finance 100% of a home’s purchase price, while having access to better-than-average mortgage rates. Click Here to check your income eligibility.

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Key USDA Loan Points

What is a USDA Loan?

It's a niche product serving a fraction of the U.S. housing market (and most banks don't offer them...but we do!) Eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing!

No Money Down

Yes, you read that right! 100% financing. Today, you don't need a large down payment (or any depending on the loan option) to own a home. It's the program's biggest features! Be sure to check your income eligibility by getting in touch with one of our experienced loan officers today. Learn more here

Property Types

The desired property must be located in an eligible rural area. Not sure if the home you want is eligible for this type of home loan? Don't worry! All you need to do is contact one of our loan officers and they can check your eligibility today!

Flexibility

The USDA home loan offers flexible credit requirements, no money down which means 100% financing, and even your loan costs can be financed. Ready for more? Seller contributions are allowed and no mortgage payment reserve requirements!

Rex Duffin Home Loans Mortgage Arizona

Hi, I'm Rex

I’ve been in the mortgage industry since 1978 and love to fly across Arizona in my single engine airplane to help various consumers learn and obtain a reverse mortgage. Give me a call today!

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The Lowdown

Department of Agriculture and the program’s biggest feature is its option for “no money down” financing. Via the USDA you can finance 100% of a home’s purchase price, while having access to better-than-average mortgage rates.

Did you know

The USDA Rural Housing program is a federal program designed to help certain lower population towns and counties grow by giving home buyers a better deal, better terms, and more options when they buy or refinance a home.

all the options

This program is $0 down, features low monthly mortgage insurance, low USDA closing costs and has flexible qualification guidelines.

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Rex Duffin Home Loans Mortgage Arizona

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