Most home buyers are not aware that the USDA (United States Department of Agriculture) offers a Zero Down Home Loan. The USDA Rural Development Mortgage/RD loan is another government sponsored home buying program to promote homeownership, especially for 1st time home buyers. Like FHA and VA you do not obtain a USDA Home Loan directly through the USDA in most cases, you get a USDA mortgage through a lender like us! If you can qualify for a USDA mortgage, in most cases it can be a more affordable loan option then the FHA Mortgage.
Basic highlights of USDA Home Mortgage program:
Check USDA Mortgage Program Eligibility:
Max Yearly Income Restrictions: Rather than having loan amount limits, USDA has household max income limits, which vary by county and household size. For most of the counties in Oklahoma the Max Household income limits are as follows: 1-4 Person Households $90,300 5-8 Person Households $119,200. Click here. Check your USDA Income Restrictions in your area.
Location Restrictions: USDA Home Loans have location restrictions. Click here to check qualifying areas in Oklahoma.
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Some common misconceptions of USDA Loans:
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