USDA Loans offer no down payment options with low private mortgage insurance. The property has to be located in an eligible rural or suburban area and the household income must meet certain guidelines.
This is your first step to see how you can qualify for a no down payment and low Private mortgage insurance USDA loan. We will be here to guide you through the loan process.
Lenders may have their own internal guidelines and requirements in addition to those set by the USDA’s Rural Development program.
Applicants must show stable and dependent income and a credit history that demonstrates the ability and willingness to repay the loan.
There is no minimum credit requirement for the USDA loan. However, applicants with a credit score of 640 or higher are eligible for the USDA’s automated underwriting system. Applicants below the 640 mark may still be eligible, but they are subject to manual underwriting, which can mean more stringent guidelines. Read more about the USDA loan.
Our Mission: To aggressively serve our community, veterans and their families, through education and facilitation of Government loans, while advocating for our local military and community.
Aligned Mortgage offers no lender fees on all Government loans! Including FHA, USDA, VA loans.
Delivering world-class service and education to the men and women that are serving or who have served our country during the home buying or refinancing process. We practice responsible communication. Ensuring it is always clear, complete and current.
Our team’s expertise provides a smooth loan process for the borrower, often closing within a month. Do not let anyone tell you it takes too long to close a USDA Loan!
Our Vision is to ensure that anyone who has defended our country will have an opportunity to own a piece of it.
Respectful – Always showing we care
Everyone deserves our courteous attention, regardless of the circumstances. We do everything with intention and purpose.
We Take Pride In What Our Veterans Have To Say About Our Service.