What Is a USDA Loan?
A USDA loan, offered by the U.S. Department of Agriculture, provides 100% financing for eligible rural and suburban homebuyers. It’s a game-changer for families looking to achieve their homeownership dreams without a hefty down payment.
Benefits of USDA Loans
No Down Payment: Qualified buyers can finance 100% of the purchase price.
Competitive Interest Rates: USDA loans often have lower rates than conventional loans.
Flexible Credit Requirements: You don’t need perfect credit to qualify.
Who Qualifies for a USDA Loan?
Eligibility depends on:
Location: The home must be in a USDA-eligible rural or suburban area. Republic, Willard, and parts of Springfield may qualify. Check an address below!
https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfhprev
Income Limits: Your household income must fall within the program’s guidelines.
Loan Purpose: You must use the loan to purchase a primary residence.
How to Apply for a USDA Loan
Step 1: Check if your desired property is in an eligible area.
Step 2: Review your income and financial situation with a lender.
Step 3: Get pre-approved and start your home search!
USDA loans make homeownership affordable for so many families. If you’re wondering if it’s the right fit for you, reach out—I’d love to help!
Watch my Youtube video for more details: https://youtu.be/OTSRYK_Y9HY
Much of Willard, Republic, Nixa and Ozark Missouri are eligible!

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