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San Jose, CA 95121

USDA Loan

Homeownership in Rural Communities

USDA Loans are an attractive home loan choice, especially for rural and suburban homebuyers. If you're seeking affordable monthly payments, the certainty of a fixed interest rate, and perhaps even zero down payment, then exploring USDA Loans could lead you to your dream countryside home.

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USDA Loan Requirements

Minimum 700 Credit Score

Most lenders require a minimum credit score of 700 for jumbo loans.

10% - 20% Down Payment

Jumbo loans typically require a down payment between 10% and 20%.

2% – 5% In Closing Costs

You’ll need 2% – 5% of the total purchase price to cover closing costs.

Debt-To-Income Ratio ≤ 43%

You’ll need a debt-to-income ratio (DTI) of no more than 43%.

USDA Loan Benefits

No down payment requirement

Allowing borrowers to finance 100% of the home's value in eligible rural and suburban areas.

Competitive interest rates

Ensuring affordability and potential savings over the life of the loan.

Affordable housing options in rural communities

providing access to homeownership opportunities in areas outside of major urban centers.

Lower mortgage insurance costs compared to other loan types

resulting in reduced monthly expenses for borrowers.

USDA Loan Loan Options

USDA 15-Year Fixed

The USDA 15-year fixed mortgage delivers the surety of a locked-in, comparatively lower monthly mortgage payment for its shorter period, intended for rural and suburban homebuyers.

USDA 25-Year Fixed

The USDA 25-year fixed mortgage provides the comfort of a fixed, relatively lower monthly mortgage payment over its duration, beneficial for rural and suburban homebuyers.

USDA 30-Year Fixed

The USDA 30-year fixed mortgage offers the reassurance of a steady, lower monthly mortgage payment, designed for qualifying rural and suburban homeowners.

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3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

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