Erick Kidd, Branch Manager, Nmls#1671029

06/15/2026

06/10/2026

Send me a message if you've been turned down for credit but have 401k or savings. Works great for

- self employed
- new construction
- people with below 580 score but have 3% down

06/10/2026

If you are self employed and been told you dont make enough income to purchase a home send me a message.

06/10/2026

Call me if you need an innovative loan program for your client.

06/02/2026

If you are looking to buy a home in a rural or suburban neighborhood, a USDA loan (backed by the U.S. Department of Agriculture) is easily one of the most cost-effective and accessible mortgage options on the market.
​Because the government guarantees these loans against default, lenders are willing to offer highly borrower-friendly perks that you won't find with conventional mortgages.

​Key Financial Benefits

​1. Zero Down Payment Required ($0 Down)
​This is the single biggest draw. Unlike conventional loans (which usually ask for 3% to 20% down) or FHA loans (which require 3.5% down), a USDA loan allows qualified buyers to finance 100% of the home's purchase price. It wipes out the years-long hurdle of saving tens of thousands of dollars just to get through the front door.

​2. Lower Interest Rates
​Because the USDA backs the mortgage, lenders take on significantly less risk. As a result, USDA interest rates are routinely 0.5% to 0.75% lower than comparable conventional loan rates. Over a 30-year loan, a slightly lower interest rate saves you thousands in interest and shaves a chunk off your monthly bill.

​3. Cheaper "Mortgage Insurance" Costs
​While conventional loans charge Private Mortgage Insurance (PMI) if you put down less than 20%, USDA loans handle insurance through their own lower fee structure:
​An upfront guarantee fee of 1.0% (which can be rolled directly into the loan amount so you don't pay it out of pocket).
​An annual fee of 0.35% of the remaining loan balance, broken up into your monthly payments.
​On average, the monthly USDA fee is drastically cheaper than FHA mortgage insurance or low-down-payment conventional PMI.

​4. Flexible Credit Guidelines
​You do not need flawless credit to qualify. While a credit score of 640 or higher grants you access to automated, streamlined underwriting, applicants with lower scores or shorter credit histories can still get approved via manual underwriting by showing overall financial stability.

​5. Roll Closing Costs Into the Loan
​If the home appraises for more than the purchase price, the USDA allows you to roll your closing costs into the overall loan amount. Alternatively, the program allows sellers to pay up to 6% of the buyer’s closing costs. Both options keep your out-of-pocket cash needs incredibly low at the closing table.

06/02/2026

*** Down Payment Assistance highlights ***

- minimum 620 credit score

- any income qualifies

- no location requirement

- available in all states but new York

- can cover down payment and some closing cost

- in house program

06/01/2026

Get approved for usda today! Approval process takes 48 hours to complete once documents submitted. Apply below to get started

https://erickkidd.allwestern.com/

05/31/2026

Apply today to see if you qualify for down payment assistance.

https://erickkidd.allwestern.com/

05/29/2026

Veterans come take advantage of your VA Loan. We help veterans get into homes all over the united states. Veterans with 500 credit scores have closed on a homes. The benefits are good rates, no mortgage insurance, and no down payment. If you haven't taken advantage of this program or in process of moving give me a call or apply below.

https://erickkidd.allwestern.com/