USDA Loans on the Cheap!

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The Lowdown on USDA Loans...

Do I Qualify?

There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.

Our USDA Loan Rates Are Low & Our Process is Quick & Painless

The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify.

Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don’t require a cash down payment. To qualify, you need to have a decent credit history.

We’re here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE USDA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

The USDA Loans Process

USDA Qualifier

Complete our simple USDA Loan Qualifier

Criteria & Scenario

Receive options based on your unique criteria and scenario

Mortgage Interest

Compare mortgage interest rates and terms

Best Offer

Choose the offer that best fits your needs

Get Your FREE USDA Loan Quote Now!

FIRST WEST FINANCIAL

(760) 488-6482

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    Fill out our fast refinance evaluation to calculate a lower mortgage rate & payment. We make the process quick & easy.

    0%

    Great! What type of property are you purchasing?

    5%

    Estimate your credit score.

    10%

    What year did you purchase your home?

    15%

    Please estimate the value of the property.

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    What is the remaining 1st mortgage balance?

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    What is your 1st mortgage interest rate?

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    How will this property be used?

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    What kind of rate do you have?

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    Do you have a second mortgage?

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    Would you like to borrow additional cash?

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    What is your employment status?

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    Bankruptcy, short sale, or foreclosure in the last 3 years?

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    Can you show proof of income?

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    What is your average monthly income?

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    What are your average monthly expenses?

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    Do you currently have a FHA loan?

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    Any late mortgage payments in the last 12 months

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    What is your full name?

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    What is your email address?

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    What is your email address?

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    NMLS Consumer Look Up | NMLS 2886482

    FIRST WEST FINANCIAL

    (760) 488-6482

      FREE Home Purchase Qualifier

      Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!

      0%

      Great! What type of property are you purchasing?

      6%

      Estimate your credit score.

      12%

      Is this your first property purchase?

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      What is your current property purchase situation?

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      How will this property be used?

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      What is the purchase price of the new property?

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      What is your estimated down payment?

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      What kind of rate do you prefer?

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      What is your gross annual household income?

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      56%

      Estimate your credit score.

      62%

      Bankruptcy, short sale, or foreclosure in the last 3 years?

      68%

      Can you show proof of income?

      75%

      Are you working with a real estate agent?

      81%

      What is your full name?

      87%

      What is your email address?

      93%

      What is your phone number?

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      NMLS Consumer Look Up | NMLS 2886482