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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.
Aligned Mortgage offers No Lender Fees on USDA Loans!
Start Your USDA Pre-Approval!
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.
Is A USDA Loan Right For You?
Minimum Qualifications for USDA Loans
- U.S. citizenship or permanent residency
- Ability to prove creditworthiness, typically with a credit score of at least 640
- Stable and dependable income
- A willingness to repay the mortgage – generally 12 months of no late payments or collections
- Adjusted household income is equal to or less than 115% of the area median income
- The property serves as the primary residence and is located in a qualified rural area
Lenders may have their own internal guidelines and requirements in addition to those set by the USDA’s Rural Development program.
USDA Loan Credit Requirements
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.
Why Choose Aligned Mortgage
To aggressively serve our community, veterans and their families, through education and facilitation of Government loans, while advocating for our local military and community.
No Lender Fees
Transparency & Communication
Close Your Loan in 30 days
Veteran Led Team
To ensure that anyone who has defended our country will have an opportunity to own a piece of it. We also strive to help our local community invest in themselves and their families through homeownership using the USDA loan.
Everyone deserves our courteous attention, regardless of the circumstances. We do everything with intention and purpose.
Five Star Rated Business
We Take Pride In What Our Veterans Have To Say About Our Service.
The folks at Aligned were helpful, patient, and more than willing to answer all our questions and concerns as first time home buyers. They made the process easy.Court M.