USDAloans.com

Learn about the USDA Home Loan, check your eligibility, and get matched with the right lender for you. Neighbors Bank. Equal Opportunity Lender, NMLS # 491986.

Not affiliated with any gov. agency. ICB Solutions. All Rights Reserved. USDALoans.com is not affiliated with or endorsed by the U.S. Dept. of Agriculture or any government agency.

1801 Westfall Dr., Columbia, MO 65202 | ICB Solutions, a division of Neighbors Bank. Equal Housing Lender Member FDIC. NMLS #491986 (www.nmlsconsumeraccess.org) | Not available in NY.

08/01/2023

Are you tired of paying rent? Find out what a USDA mortgage payment could be so you can begin your homebuying journey!

Our USDA mortgage calculator requires just a few pieces of information to estimate a monthly payment.

Click the link below to check out our calculator and get connected with a USDA expert!

https://www.usdaloans.com/tools/mortgage-calculator/

07/25/2023

Are you ready to buy a home but don’t know where to start? The general application process for a USDA loan looks like this:

🏦 Prequalify with a USDA-approved lender.

🧑‍💼 Apply for preapproval.

🏡 Find a USDA-approved home

✍️ Sign a purchase agreement.

✅ Go through processing and underwriting.

🎉 Close on your loan

Click the link below for more details on the step-by-step guide to applying for a USDA loan!

https://www.usdaloans.com/program/process/

07/18/2023

Did you know the USDA loan has income limits? The USDA sets income limits to ensure the program can provide housing opportunities for low and moderate-income families.

USDA income limits consider total household income, location and household size. Our income chart makes it easy to search income limits in your zip code!

Click the link below to look up your zip code and connect with a USDA loan expert!

https://www.usdaloans.com/tools/income-limits/

07/13/2023

Is your future home eligible for a USDA loan?

You may have heard about USDA loan property requirements. One of the main requirements is that the property must be in a rural area. The good news is, about 97% of U.S. land is in a USDA eligible area, this includes over 100 million people!

Check out our USDA Property Eligibility map today to see if the home you love is in an eligible area.

https://www.usdaloans.com/program/property-eligibility/

07/11/2023

Are you curious about USDA Home Loans?

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The U.S. Department of Agriculture or USDA offers a home loan program for eligible rural and suburban areas. The main goal of the USDA loan is to provide affordable homeownership for low to moderate income families. USDA loans have helped millions of Americans and you could be next!

Contact us today to learn more about the USDA loan and how we can help you get connected to a USDA Loan expert and accomplish your homeownership goals!

https://www.usdaloans.com/program/

02/01/2022

Repayment income includes stable, dependable income that is verifiable by a third party. Being educated about the types of acceptable USDA repayment income will help you maximize your USDA homebuying budget. Let's take a look at how to calculate monthly income for some common repayment sources.

01/27/2022

After you've researched the best USDA lenders and narrowed the playing field, it's okay to keep asking questions until you feel comfortable moving forward with your loan application. After all, buying a home is a big deal, and you want to be sure you've found the right USDA lender to walk you through the process. Above is a list of questions you should ask a lender so that you can find the best one for you.

01/26/2022

If you’re worried about your credit score hurting your chances at a USDA loan, the best thing to do is to boost your credit before applying. Paying off just one credit card or removing one account from collections can have a huge influence on your score and your chances of getting your loan. Check out the graphic for some quick tips on how to boost your credit score prior to securing a USDA loan.

Learn more at www.usdaloans.com

01/24/2022

Once under contract, it's important to remember that preapproval is not the same thing as loan approval. A lender’s underwriting staff will review your loan file, the home’s appraisal and your overall credit and financial information.

Lenders will also look to make sure there’s nothing new that could cause them to question your ability to pay back your loan.

Above are four practices to avoid that could red flag your loan – and delay the process.

01/19/2022

There are multiple ways to handle closing costs for a USDA loan. Prospective buyers may be able to have sellers cover these costs for them or even finance them into the loan. A seller who is eager to sell their house quickly or reach a certain purchase price may agree to pay the closing costs in the form of a “seller credit.” This is something you’ll negotiate when it’s time to get under contract. Click the link below for more details.

01/04/2022

While USDA loan prequalifications are based on estimates, preapproval deals with the actual documents and exact figures. Once preapproved, you know exactly how much of a home you can afford and home sellers have additional confidence in any offer you place.

During USDA loan preapproval, your loan officer will verify all information given in prequalification. Common documents you may need to furnish include:

- Copy of government issued-ID (generally a driver’s license)
- Two years of W-2 statements
- Recent pay stubs
- Bank statements
- Two years of tax returns for self-employment income
- Social Security awards letters

Once you have been preapproved for a USDA loan, you are well on your way to becoming a homeowner; however, it is important to remember that being preapproved does not guarantee a home loan. There are usually conditions that follow preapproval, which must be met for your underwriter to approve your USDA loan.

Learn more at www.usdaloans.com.

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3621 Discovery Parkway, Suite 115
Columbia, MO
65201

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