Mortgage guidance · Seth Lester
USDA home loans
Explore USDA purchase financing by checking both the property location and household income requirements before planning your next move.
Prefer to talk first? Call or text 480-335-9828.
Seth Lester · Branch Manager & Loan Officer · NMLS #390622
USDA rural housing programs
USDA home loans
USDA Rural Development has two purchase paths for eligible homes in qualifying rural areas. Its guaranteed loan program works through approved lenders for eligible low- and moderate-income households. Its direct loan program serves eligible low- and very-low-income applicants through USDA. These are different programs with different application and income rules.
Eligible buyers may be able to purchase with no down payment, but no down payment does not mean no closing costs or program fees. Check the property address against USDA’s eligibility map, the household income limit for that area, and which program and lender are available before making plans around USDA financing.
Should I check the address before shopping?
Yes. A home must be in an eligible area for USDA financing. Use the official eligibility tools and confirm the program requirements for the actual address.
Which income information should I prepare?
Household income eligibility and repayment qualification involve different reviews. Share the household composition and income sources so the applicable requirements can be checked. Do not assume a salary alone determines eligibility.
Keep exploring
Official USDA program information
Compare purchase loan options · Prequalification vs. preapproval · All loan programs
Let’s talk through your situation.
Tell me where the property is, your timeline and what you want the mortgage to accomplish. We can discuss the options and the information needed for a full review.
Prefer to talk first? Call or text 480-335-9828.
Program availability and eligibility vary by borrower, property and lender. This is not a commitment to lend. All loans are subject to credit approval. Terms and conditions apply.