Helping Military and Civilian families realize the dream of homeownership since 1990

USDA Home Loans

USDA Loans are insured by the United States Department of Agriculture.


These loans are intended to facilitate home ownership for families and individuals meeting specific income limits who are purchasing within eligible areas.


Highlights of the programs include

• No Down payment required

• Upfront guarantee fee of 1% of the loan amount - this fee can be financed into the loan amount avoiding the need for additional cash needed to close

• Monthly mortgage insurance based on .35% of the loan amount (considerably lowered than fee charged by FHA)

• Home must be owner occupied

• Applicant must have a credit score of 620 or higher

• Applicant must meet income limits based on family size and geographical area

• Property must be located in an eligible area

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11230 Sorrento Valley Rd ste 225

San Diego CA 92121

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