USDA HOME LOANS
Buying a home in Georgia's rural and suburban communities is more accessible than ever. USDA Rural Development loans are government-backed mortgages that help low-to-moderate-income families buy homes with no down payment and competitive interest rates.
What is a USDA Loan?
A zero-down mortgage for homes in eligible rural areas. This government-backed program offers 100% financing, making it easier for buyers to transition into their new home without the burden of a large down payment.
Location Eligibility
Properties must be located in USDA-designated rural areas. Many suburban communities across Georgia, South Carolina, and Florida qualify, and we provide a quick evaluation to determine if your target area is eligible.
Program Benefits
- No Down Payment: Occupy your home with 0% down.
- Low Insurance: Benefits from lower mortgage insurance rates.
- Closing Costs: Negotiate for the seller to pay up to 6% of costs.
- Fixed-Rate Loans: Enjoy consistent interest rates and payments.
Basic Requirements
- Income Limits: Household income must fall within county limits.
- Citizenship: U.S. citizenship or non-citizen national status.
- Primary Use: The home must be used as your main residence.
- Employment: Demonstrate a stable, predictable income profile.
Contact Mamta Kasthuri today to learn which communities across Georgia, South Carolina, and Florida qualify for USDA financing.