Skyline Properties Mortgage Team

USDA Home Loans

USDA Mortgage Lender

USDA Home Loans are mortgages for buyers purchasing homes in a rural area. These loans are 100% financing zero down with low rates and no limits on seller concessions. USDA Stands for “United States Department of Agriculture” which supervises the rural housing programs. The USDA Home loan directive is to provide borrowers with affordable homeownership in rural communities with little out of pocket costs.

It is important to understand that the USDA offers two types of loans.  The direct where the USDA underwrites and provide the financing, reserved for very low income buyers, and the guarantee loan that protects the lenders from loss in the event of foreclosure.  In simple terms the USDA insures a portion of the loan typically in relation to a down payment.  This guarantee allows for a 100% mortgage loan making homeownership more accessible in small town America.

The USDA Home Eligibility is determined by four factors: credit score, monthly income, monthly debt obligations and the geographic location of the property.

Why Skyline Properties is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Exceptional Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

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Benefits of a USDA Loan

  • Guaranteed by US Department of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Maximum on Loan Amounts
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • New Manufactured Home Only
Don’t worry if the property or your income does not meet the USDA Home Loan requirements.  There are other federal mortgage loan programs that are available. Loan officers available 7 days a week to discuss options.
USDA Home Loan Benefits
  • Guaranteed by US Department of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Maximum on Loan Amounts
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • New Manufactured Home Only
Don’t worry if the property or your income does not meet the USDA Home Loan requirements.  There are other federal mortgage loan programs that are available. Loan officers available 7 days a week to discuss options.

Not Sure? Take a Look at Other Mortgage Programs

Skyline Properties Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506
CB Wentling

CB Wentling

Loan Officer
NMLS 107877

Matt Williams

Loan Officer
NMLS 1945867

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