USDA Loan

Zero Down Payment Required

A USDA home loan is a zero down payment mortgage for eligible rural and suburban home buyers. The U.S Department of Agriculture backs certain loans to help low-to-moderate income level individuals obtain homeownership. The properties allowed to be purchased with a USDA loan need to be in a rural area pre-approved by the USDA before moving forward with the loan.

Loan Details:

• The borrower needs to live in the house throughout the lifetime of the loan

• All homes need to be located in a rural area and approved by the USDA

• 30 year fixed ONLY

• Minimum 640 FICO for purchase and rate & term refinance

• Transaction types: Purchase, Rate & Term (Non-Streamlined) Refinance, Streamlined Refinance, Streamlined-Assist Refinance

• "Moshe was very understanding and knew exactly how to work with lenders to fight and get the best deal out there, I felt very taken care of."

  Fil R.

• "Moshe and his team were very thorough and got the job done very fast. Thank you for shopping the market and helping us get the best rate. We will definitely refer you in the future."

  Christina S.

• "Moshe made the process simple for me, assisting me when I had questions and working to resolve issues expeditiously. All in all the process was very fast and easy."

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  David M.

• "Moshe provided the most amazing service, easy to understand and found the best deal for my budget!!! He went beyond my expectations and I'm extremely satisfied!"

  Aleyda J.

• "We’d been stuck in a two loan adjustable mortgage for 10 years. Our place was underwater since after the market crashed in 2007. The price finally edged up, but we were still unable to get anyone to help us get into a fixed rate. A friend told us about Moshe, and within a few days we were on our way to a fixed rate. Moshe explained everything in detail and then some, and clearly laid out our options. We will definitely recommend Moshe to anyone needing help with their mortgage."

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• "This was an EPIC loan experience. 3% rate w/ AMAZING service!"

  Bernadette & Spencer G.

• " Moshe is my client’s preferred lender as made known to me after I had already referred my client my own preferred lender whom I have been using for may years and who is normally outstanding in service. However, my buyer client was running into some issue’s that ended up differently than first expected which made my buyer client a bit uncomfortable so I advised my buyer client that they are always free to use which ever lender they choose and that it would hurt to get another opinion or two. My buyer client ended up contacting Moshe who they had done some past lending with and Moshe had no problem in making our client very happy adhering to original expectations and followed through on every promise and was even able to work in getting the transaction completed well on time. I’m extremely impressed with Moshe and I plan on most likely using him again for additional / future transactions. Very happy with his services!! Way to go Moshe!!!!!"

  Troy S. REALTOR