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USDA home loans are designed specifically for low and moderate income Americans to better afford homes and has helped many individuals and families achieve the American Dream of homeownership. Platinum Home Mortgage is a USDA-approved lender and offers our customers a no money down home purchase. Surprisingly, 97% of the homes in America are located in an area eligible for a USDA home loan.
A few benefits of using USDA home loans:
• No down payment – you can keep your savings
• Competitive interest rates – Lower monthly payments than FHA or CONV
• Relaxed credit guidelines – Blemished credit is OKAY
Qualifications for USDA home loans:
• Must be primary residence
• US citizenship or permanent residency
• Meet income eligibility (varies by state/county)
• Meet credit requirements
• Property must be in a USDA-approved area
If your income is too high or the property doesn’t qualify for a USDA home loan, Platinum Home Mortgage offers other LOW down payment options for any homebuyer scenario.