USDA Mortgage Programs

Why USDA Mortgage Programs?

People are often overwhelmed by the different kinds of mortgages available today. Are you one of those people thinking of planning a property? If you have an idea of what you are searching for and your chosen price range, you can consider USDA mortgages.

USDA mortgages are supported by the US Department of Agriculture. In the past, this kind of loan was referred to as the farmer’s loan. However, contrary to what the majority of people might think, this loan isn’t only for farmers. This loan is only utilized for a home purchased in the rural areas. Take note that some homes are considered rural even when their population is 10,000 or less. In other cases, home in cities with a population of around 10,000 to 25,000 are eligible as well.

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USDA Mortgage Qualifications

In order for you to qualify for this loan, you must be:

US citizen or legally permitted citizen
Have an average credit history (should be presented with proof of payment)
Adjusted annual income less than the limit established by the USDA
The property MUST be located in a USDA approved area

Do Portfolio Loans Have Limitations?

Loans may include 100% of appraisal
30-year fixed rate mortgages
No down payment needed

Portfolio Products

Many borrowers need flexible products with low-interest rates, flexible terms, and minimal down payments. Affordability is the key to many borrowers being able to buy homes or...

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FHA Loans

FHA loans are mortgages that are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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First Time Buyer

Exploring local & national first-time homebuyer assistance programs is an important step in the journey to homeownership. Buying a first home is a big deal, so we here to help you!

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Investor Loans

When you're looking for a home loan, there are many factors that determine the terms and interest rates you'll receive from lenders. One of these is whether you're buying a first home

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USDA

People are often overwhelmed by the different kinds of mortgages available today. Are you one of those people thinking of planning a property? If you have an idea of what you are

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Mortgage

Conventional products provide a wide variety of homebuying and refinancing options for well-qualified borrowers.Government products restrict lending to only primary residences

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment

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Renovation Loan

A renovation loan can help fund home improvements, allowing you to turn a house into your dream home.

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Important Legal Disclosures

Variant Lending Group (Branch NMLS #1977530) is DBA Home Mortgage Alliance Corporation, NMLS #1165808.

Lender License (#MC-6747) and Mortgage Broker #ML-6747 in Virginia.

SML Mortgage Company License and SML Mortgage Loan Servicer Registration, licensed by the Texas Department of Savings and Mortgage Lending.

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