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Pre Qualify

Prequalification Letter

Prequalification is the first step in home ownership. By completing the USDA prequalification request our specialists will be able to let you know how much you can afford and what your estimated monthly payment will be. Our team will also help you identify the eligible USDA areas near you. Many real estate agents require that you have a prequalification or preapproval form prior to showing you any homes. The process is free, fast, and very simple.

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USDA Rural development mortgage overview

Expanded qualifying ratios
Buyers with satisfactory credit may qualify with higher Debt-to-Income ratios to accommodate high cost housing areas, etc

Seller is allowed to pay Buyer's Closing Cost (ask USDA Specialist for details)
Reduces out of pocket costs for Buyers

Low minimum credit score (640 minimum credit score required)
Buyers with non-traditional or no credit histories may qualify

Very low monthly PMI
Low monthly mortgage insurance means a lower monthly payment for the Buyers and additional cash each month