VA Home Purchase Mortgage

The USDA Guaranteed Loan Program is a federal program offered through the United States Department of Agriculture. Rural Housing through the USDA program provides a number of homeownership opportunities to rural Americans, as well as programs for home renovation and repair. This is an excellent product and benefit for those individuals that qualify. Rural Housing also offers 100% financing opportunities for those who qualify.


USDA Rural Housing loans are now easier to qualify and are a financially secure option for home financing regardless of your situation.


There are several advantages to using USDA’s Home Loan Program.


  • The Veterans Adminstration (VA) loan is a 100% financing, Zero Down Program
  • Downpayment ZERO for Veterans.
  • VA Loan Limit:  $424,100.00  (as of 01/01/2017)
  • Minimum FICO Score 500
  • Owner Occupied
  • No Monthly Mortgage Insurance
  • Single Family Home, New Construction, Condo, Duplex, Manufactured homes.
  • Bankruptcy 7: 2 years from Discharge
  • Foreclosure/Shortsale:  24 months from Discharge
  • VA funding fee waived for certain Veterans

VA Home Refinance Mortgage

  • Lower your interest rate via the VA Interest Rate Reduction Loan (IRRRL).
  • You can also do 100% Cash OUT VA Refinance
  • Get up to 100% of value for Cash Out
  • VA Loan Limits:  $424,100 (as of 01/01/2017)
  • FICO Score:  500 for IRRRL, 500 Cash out
  • Owner Occupied
  • No Monthly Mortgage Insurance
  • Single family, Condo, Townhome, Manufactured homes
  • Bankruptcy 7:  Discharged for 24 months
  • VA funding fee waived for certain Veterans