USDA Rural Home Loans for Arizona

The $8000 First Time Home Buyer Tax Credit is set to expire soon and is available for Rural USDA Loans.  The deadline to fund your home is November 30th.  That isn’t even 60 days from today to qualify for the Home Buyer’s Tax Credit. The average AZ Mortgage is taking 35-45 days to close. The [...]

We’re starting a new category on the USDA Rural Home Loans website. It’s USDA Home Loan Success Stories. I hope you enjoy hearing about how the Rural Development USDA Loan has positively impacted so many families here in Arizona.  So let’s take a look at the first installment of… (drum roll please…) USDA Home Loan [...]

USDA Loan Benefits USDA Rural Home Loans have some outstanding benefits over ANY other type of mortgage loan you will find for Arizona.  USDA Loan Benefits include: True Zero Down Financing – USDA Rural Home Loans let you keep your cash in your bank account Fixer Up Ability – Repairs can often be financed for [...]

Using an Arizona USDA Guaranteed Rural Home Loan allow you to buy a home in ANY County of Arizona with Zero Down payment.  That means, the money you save on your down payment by using a USDA Rural Home Loan instead of conventional or FHA Home Loan financing will stay in your bank account, for [...]

USDA Rural Home Loans has a MASSIVE advantage in today’s Real Estate market.  We’ve all heard these terms… NO MONEY DOWN! ZERO DOWN! 100% Home Loan Financing! These options for financing a home are no longer available with conventional financing NOR through FHA home loan financing.  The best option for buying a home with No [...]

USDA Rural Home Loans offer many advantages over either FHA Mortgage Loans or Conventional Home Loans.  Here is a brief summary of advantages of the USDA Rural Home Loan. No Down Payment – Truly a 100% home loan No Expensive Mortgage Insurance – Keeps your monthly payment low No Cash Reserve Requirement No Minimum Credit [...]

USDA Rural Home Loan qualifying uses two different income types to determine qualification for the USDA Rural Home Loan. In the previous post we discussed Adjusted Household Income and in this post we will discuss what the USDA Rural Home Loan qualifies as Repayment Income. The USDA considers Gross Income and Repayment Income as the [...]

With the recent take over of the two largest mortgage investors in the world, what is in store for the future of Real Estate and mortgage rates. //

One of the best things about the UDSA Rural Real Estate Loan is that it allows people with low to moderate income to qualify to buy real estate in a rural designated area for zero down payment. Nothing Down… No money out of pocket at all to get a USDA Rural Real Estate Loan… well, [...]

The USDA Rural designation might surprise you.  The USDA says that the property must be designated as rural by the Rural Housing Service (RHS) and some designated rural areas actually look and feel more like the suburbs.  In Tucson, the Rancho Vistoso area North of Tangerine Road has the coveted USDA Rural designation, as does [...]