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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...

"Theresa sat down with us and helped us clean up our credit, showed us what we couldn't see, and over the course of a year we were able to purchase our first home. Not only was she helpful up front, but Theresa made the entire process painless. Her help and personal attention was priceless. Just recently, when rates were dropping Theresa contacted us and helped us through a refinance. Thanks for helping us with everything! Theresa will be hearing from us soon on our next home purchase!" -- Corey & Bob

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