USDA Loan
Reasons/Highlights
Why a
USDA Loan?
- 0% down payment
- Credit scores as low as 580 may be accepted
- Low- to moderate-income households may qualify
- Available for rural properties only
- Available for US citizens, non-citizen US nationals, and qualified permanent resident aliens
About Conventional Loans
Less paperwork,
more money saved
Already have a VA loan? A VA streamline refi (also called a VA IRRRL, but we won’t make you say that three times fast) offers a quicker refi process with no appraisal required, minimal documentation, and the potential for lower rates.
Pro Tip
USDA loans are a viable option for more than purchasing land or building a home. USDA loans can also be used for mobile-home relocations and partial to complete rehabilitations for those who qualify.
More Home Loan Options
Great news. With a USDA loan, you’ve got options. Here’s a look at what’s possible.
USDA Purchase
Fresh air and affordable financing.
Put 0% down on a home in an eligible rural area with a USDA loan. Backed by the U.S. Department of Agriculture, USDA loans are for low to moderate income households. You could get approved with credit scores as low as 580.
USDA Refinance
Wrangle up your refi.
Refinance your mortgage to a USDA loan to enjoy a new rate and term in eligible rural areas. If you’re refinancing a current USDA loan, you can speed up the process with less paperwork in a streamlined USDA refi.
USDA Rate Protect
Lock your rates now, harvest them later.
Are you planning to take out a USDA loan, but haven’t settled on the right rural home for you? With USDA Rate Protect, you can lock in your mortgage interest rates for up to 90 days while you wrap up your home search.
USDA Purchase
Fresh air and affordable financing.
Put 0% down on a home in an eligible rural area with a USDA loan. Backed by the U.S. Department of Agriculture, USDA loans are for low to moderate income households. You could get approved with credit scores as low as 580
USDA Refinance
Wrangle up your refi.
Refinance your mortgage to a USDA loan to enjoy a new rate and term in eligible rural areas. If you’re refinancing a current USDA loan, you can speed up the process with less paperwork in a streamlined USDA refi.
Know what to expect and see it actually happen.
- A personalized loan process that delivers success
- No robots or automated systems, just real people who you can talk to
- Trusted experts who get to know your unique needs
Here’s what our clients are saying:
Minimal headaches and a lot of clarity.
“Matt and John are both great – always available for questions, able to explain all of my options to me immediately and simply. Both my initial loan and a complicated refinance were handled through them with minimal headaches and a lot of clarity.”
Easy Breezy.
“This is the third time we have worked with Matt and there’s a reason we keep coming back. He is easy and fun to work with (which is important when you’re signing your life away on a home mortgage haha!) and makes the process easy breezy. But don’t let the fun fool you, he is professional and knows his stuff. We are grateful to have him as our mortgage guru. Thanks, Matt!”
Big Suitcase Full of Money – with a SMILE!
“The Primo Loans team checked ALL the boxes on my investment purchase! Their team picks up the phone, has my best interest in mind, communicates well, willing to work for my business, and has done an amazing job on my loans over the years. Continuously improving the process all while maintaining an authentic and sincere approach to lending keeps us coming back for more. Really, call them. They are a great source of knowledge.”
Could not have asked for a smoother process!
“They were more than willing to answer any questions we had at any time. They continuously checked in to make sure things were going good on our side. They work very well together and got us the beautiful home we are in for a great price with great rates in about a month. During the signing, even the agents could not believe the numbers compared to some they had seen previously. Primo Loans has a great team to work with. Could not recommend them more!!”
A buying process as smooth as it could be.
“Matt and his team helped make my and my fiance’s house buying process as smooth as it could be! Matt took time out of his day for me to talk numbers whenever I needed him to and rework any situation that raised a concern to me so I would better understand. He continuously emailed us to make sure all was going well on our side so that closing would be complete in time, which we finished well ahead of schedule! This is my second buying experience with Primo Loans and I have no complaints about this Team.”
A Loan Process as stress-free as
possible.
- Get in your home quickly with no hassle.
- A name and direct phone number you can call.
- Walk through your long-term investment goals.
Don’t end up in a hotel with everything you own in a truck.
- Stop calling robots or automated systems.
- Don’t work with rookies who are just learning the loan process.
- Stop relying on algorithms that don’t deliver success.
We won’t put you in a home you can’t afford.
At Primo Loans, we know you want to feel confident throughout your mortgage experience. To do that, you need a loan officer who will personally lead you through the process and help eliminate the hassles. The problem is, buying a home is one of the largest investments you’ll make in your life. The loan process is often overwhelming and can make you feel anxious that you won’t qualify for the home your family needs.