USDA
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Property must be in an eligible rural area (USDA map determines eligibility).
- Household income limits apply (limits vary by location and household size).
- Owner‑occupied primary residence required.
Property types that may work
- Modest single‑family primary residences
- Some condos/PUDs (guidelines vary)
- Some manufactured housing (rules vary)
Typical documentation checklist
- Photo ID
- Income documentation for all adult household members (requirements vary)
- Bank statements and asset documentation
- Purchase contract and insurance quote
- Any explanations for credit history items if needed
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- USDA Guaranteed loans are typically 30‑year fixed.
- Upfront/annual guarantee fees may apply.
- Eligibility is both location‑based and income‑based.
Questions? Call (530) 238-5739 or email [email protected].