USDA Mortgages

USDA mortgages are available for select homes in certain areas of the United States. They are an affordable alternative to conventional home loans, due to the fact that they require zero money down and are available at competitive interest rates. However, there are certain restrictions and requirements that might make a USDA loan a less attractive option for some buyers. The main restriction is that the home covered by the USDA loan must be located in a designated rural area. This may mean that your home search will be limited to specific areas if you want to take out a USDA loan. This may be fine for some buyers, but others may not like having to compromise on certain amenities, community features or school districts.

In order to see if a property is eligible for USDA financing, contact us at the phone number below.

Contact us today at (813) 863-9464 or request a no obligation rate quote.

Why Consider a USDA Mortgage?

  • No Down Payment Required

    USDA rural housing loans offer lower and middle income borrowers the ability to purchase properties in USDA eligible areas with no money down.

    Not Just for First Time Buyers

    Many people think that USDA mortgages are only available to first time home buyers. This is not the case. Contact us today for more information.

    Competitive Interest Rates

    We work with multiple wholesale lenders so we can shop for some of the most competitive USDA mortgage rates on any given day.

  • Streamline USDA Refinancing

    If you currently have a USDA mortgage and are considering refinancing, we’re here to help. Potentially save time and money with a USDA refinance.

    Less Strict Guidelines

    Borrowers may be able to qualify for a USDA mortgage even if they have been unable to do so through conventional financing channels.

    Types of Homes

    USDA rural housing loans can be used to finance most types of residential properties (some restrictions may apply). Farms and commercial properties are ineligible.

  • Paperwork You’ll Need

    • Social Security numbers for both you and any co-borrowers
    • Copies of checking and savings accounts statements for the past two months
    • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
    • Recent paycheck stubs
    • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
    • The name and address of someone who can verify your employment
    • Residence history for the past two years
    • Sales contract for the purchase of a new home
    • Homeowner’s association information with contact information if property is a condo or part of a homeowner’s association

    Contact us today for a full list of paperwork required to complete the application and underwriting processes.

  • Contact Us

    Thank you for your interest in Home Access Financial. You can request additional information using any of the following methods:

    • Call (813) 863-9464
    • Complete the rate quote form on this page

    Why Us?

    • Wide Variety of Programs
    • Fast Turn Times
    • Dedicated Service
    • Streamline Loan Process