USDA, Rural Housing Mortgage Loans
USDA / Rural Housing (Purchases & Refinances) Utah
USDA / Rural Housing purchase mortgage loans in Utah.
USDA / Rural Housing refinance mortgage loans in Utah.
- No Down payment is required., 100% of the purchase price
- Flexible credit score guidelines.
- No maximum purchase price limit.
- Closing costs can come from any source including gifts / Seller can contribute closing costs
- Repairs and improvements can be included in the loan.
- Competitive fixed 30-year rates.
You can refinance from a non-USDA loan into a USDA loan
- Occupy the property as your primary residence. Choose Rural Development as the first option
- 30 year fixed rates
- Generous income limits
- Flexible credit guidelines
- NOT limited to first time home buyers
- Assistance options, such as gift funds, grants, seller concessions allowed.
Tools and Web Site links:
- Determine if the property is within the Rural Development eligible area.
- Use the link “Single Family Housing” under “Property Eligibility”.
- Determine if your adjusted household income is within the Agency limits,
- Use the link “single family housing” under “income eligibility”
- What is “adjusted household income“?
- What is “repayment income“?
- Useful web links
Refinance into a Rural Housing (USDA) loan in Utah.
Can I refinance from a non-Rural housing into Rural Housing loan?
What is the funding fee for USDA (Rural Housing) Loans?
Purchase Loans: 3.5% of the loan amount
Refinance:1% of the loan amount
Brochure and guides:
- Guaranteed Loan brochure
- USDA Rural Loan Map local Rural Development office.
- A “quick guide” overview to Guaranteed Loans
Counties & cities in Utah for Rural Housing loans:
USDA Loans in Box Elder, Utah
USDA Loans in Brigham City, Utah
USDA Loans in Tremonton, Utah
USDA Loans in Cache County, Utah
USDA loans in Logan, Utah
USDA loans in Millville, Utah
USDA loans in Bear River, Utah
USDA loans in Hyrum, Utah
USDA loans in Clarkston, Utah
USDA loans in Lewiston, Utah
USDA loans in Paradise, Utah
USDA loans in Avon, Utah
USDA loans in Eden, Utah
USDA loans in Corine, Utah
USDA loans in Perry, Utah
USDA loans in Willard, Utah
USDA loans in Plain City, Utah
USDA loans in Hooper, Utah
USDA loans in West Haven, Utah
USDA loans in Cedar City, Utah
USDA loans in Utah County, Utah
USDA loans in Vernal, Utah
USDA loans in Washington, Utah
USDA loans in Moab, Utah
Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.
Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.
Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.