Sie können sich für ein USDA-Darlehen qualifizieren

Is it time to upgrade your living situation? Are you eager for more space? Because of the pandemic, many Americans want different things in a home than they used to. While urban centers have been popular in recent years, more and more people are turning their sights to the suburbs and the country. If you?re one of them, then did you know that there?s a government-backed loan dedicated to helping home buyers in small communities? USDA loans can be a great way to finally buy the small-town home of your dreams. Here?s what you need to know about qualifying.

They?re for small communities

While USDA loans are often used to buy homes in very rural communities, you don?t have to ?buy the farm? to qualify. In fact, USDA loans can be used to purchase a home located outside of a metropolitan area in a city of 35,000 people or less. There are so many communities in America that fit this description, and your dream home could be located in one of them. Check the USDA-Website to find out whether or not the home you?re interested in is in an eligible location.

They?re for low- and moderate-income buyers

You don?t have to have a low income to qualify for a USDA loan. Those with a moderate income are eligible, too. The USDA provides direct housing loans for low-income borrowers and guaranteed loans for moderate-income borrowers. Income thresholds are $90,300 for a family up to four and $119,200 for a family between five and eight.

Sie haben große Zinssätze

Another aspect of the USDA loan is that they offer great interest rates. While mortgage interest rates have hit record lows, you can score an even better deal with a USDA loan. In fact, their interest rates have gone as low as 2.5 percent for low-income borrowers. If your budget has made it difficult to afford a home in the past, then it?s time to check out a USDA loan.

They?re available for second-time buyers, too

You don?t have to be a first-time homebuyer to qualify for a USDA loan. They can be used to purchase your second, third, or even tenth house. The only requirement is that you only own one property at a time. If you?re going to be selling your home, then you may qualify for a USDA loan for your nächster Hauskauf.

It?s easier than ever to qualify

Das USDA hat es einfacher denn je gemacht, sich für eines ihrer Darlehen zu qualifizieren. Aufgrund der Pandemie wurde die Anwendung optimiert und ist entspannter. Möglicherweise können Sie sich sogar für eine Verlängerung Ihres Berechtigungszertifikats qualifizieren, damit Sie Ihre Haussuche so lange wie nötig fortsetzen können. Solange Sie einen Kredit-Score von haben 640 oder höhersollten Sie sich qualifizieren, wenn Sie auch die anderen Anforderungen erfüllen. Um mehr über die Teilnahmebedingungen zu erfahren und um zu sehen, ob Sie sich qualifizieren, besuchen Sie die USDA-Website.

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Sind Sie bereit, ein Haus in einer ruhigen Stadt zu kaufen? Dann kontaktieren Sie die Experten bei Agent inc. bei 949-791-8160 oder [email protected] today. Let?s open up your world to new possibilities – together!