Considering the unique benefits of the USDA mortgage loans in Arizona or Utah? You might be thinking it’s only available to first-time home buyers. But the fact is, all families within the 115% of the median income for their area, are eligible for the benefits – even if they have owned a home in the past. This also includes those who currently own a home that is not in the local commuting area. Pretty amazing if you ask us. Let’s get started!

If you’ve never heard of the USDA loan program, you’re not alone. It’s a niche product serving a fraction of the U.S. housing market, and most banks don’t offer them. However, eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing, and it’s a program that we offer our clients here at Sun American Mortgage.

USDA loans are intended for moderate-income families, those having annual household income at or below 115% of the median income for the area. USDA loans are insured by the U.S. Department of Agriculture and the program’s biggest feature is its option for “no money down” financing. Via the USDA you can finance 100% of a home’s purchase price, while having access to better-than-average mortgage rates. Click Here to check your income eligibility.

Experience is one of the most important things you need in a loan officer when choosing the financing for your home (and that’s what I’ve got!) Some even call me the Superman of Home Loans ?

Discover your Arizona and Utah home owning possibilities by getting connected with us today!

Department of Agriculture and the program’s biggest feature is its option for “no money down” financing. Via the USDA you can finance 100% of a home’s purchase price, while having access to better-than-average mortgage rates.

The USDA Rural Housing program is a federal program designed to help certain lower population towns and counties grow by giving home buyers a better deal, better terms, and more options when they buy or refinance a home.

This program is $0 down, features low monthly mortgage insurance, low USDA closing costs and has flexible qualification guidelines.

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Read the terms and conditions HERE.

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Read the terms and conditions HERE.