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USDA Home Loans

USDA Home Loans

farmGuaranteed Rural Housing Loans

This program is administered by USDA Rural Development, which serves the public through more than 800 field offices nationwide. More rural families and individuals may be eligible to become homeowners with the help of a USDA guaranteed home loan. When the federal government agrees to guarantee a loan, lending institutions can help buyers while incurring less risk. Through USDA’s Guaranteed Rural Housing Loan Program, low- and moderate-income people can qualify for mortgages even without a down payment.

The repayment ability will be based on the following ratios: Principal, Interest, Taxes, and Insurance (PITI) divided by gross monthly income must be equal to or less than 29 percent.

Total debt divided by gross monthly income must be equal to, or less than, 41 percent.

Experience Extraordinary

Call Theresa Springer (MLO #70667/NMLS #70667) today at 360-798-4161 to see the difference that working with an experienced home loan professional can make for you.

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Word on the Street...

"We went through a very challenging purchase where, after accepting our offer, the seller couldn't produce clear title. Theresa's extraordinary knowledge was our greatest advocate - she'd even advised the title company as to what steps needed to be taken. In the end, we walked from that purchase, but Theresa stood by us through it until we eventually found the beautiful home we did ultimately purchase. She's an incredible professional and we can't recommend her strongly enough!" -- Drew & Linda Z.

Testimonials appearing on this site are individual experiences from those who have worked with Theresa Springer. They are individual results and results may vary.