USDA loans give people the ability to buy a home with 0% down in an area that qualifies or a suburban area typically a rural area although the qualifying area maps change constantly, as long as they meet the location and income guidelines. If you are wondering if you qualify for a USDA, read below for specific details.  

Who USDA Loans Work Best For

USDA loans allow home-owning to be more affordable for those residing in eligible rural and suburban areas. Read more about other benefits below.

How Do USDA Home Loans Work | Is USDA Loan Better Than FHA?

USDA loans are an affordable mortgage option when it comes to buying a home in a rural or suburban area that qualifies. 

They’re protected and supported by the U.S. Department of Agriculture, making them more accessible loan options for those who qualify.

With USDA loans, you are able to have a 30-year fixed-rate mortgage.

If you are currently have a USDA loan, you may refinance it into a new USDA loan if you don’t currently have a different loan type. 

FHA loans require a minimum of 3.5% down payment where as USDA loans require 0% down payment.

FHA loans are not generally restricted by location where as USDA loans are.

Credit and FICO scores are more lenient in FHA loans compared to USDA loans.

How To Qualify For A USDA Home Loan 

USDA Home Loan Benefits

USDA Home Loan Requirements For Your Property

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