Zero Down Payment? USDA Mortgage Explained
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- เผยแพร่เมื่อ 22 พ.ค. 2024
- ⭐Have USDA mortgage questions? Pick a time that works best for you here
calendly.com/d/4x6-w3n-5gp/us...
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Timestamps:
0:00 I'm Not Talking About VA
0:20 What Is This Loan About?
0:49 Why Lenders Don't Talk About It?
1:15 The USDA Loan
2:00 Benefits of USDA
3:10 USDA Qualifications
3:58 Top USDA States
4:25 Are You Loo ng at An Area That Qualifies?
4:50 Try Playing With The USDA Tool
5:25 Not in an Area?
5:40 Income Restrictions??
7:30 Its Based Off Household Income
8:55 Debt-to-Income Guidelines
10:25 Qualifying with DTI is those JUST ON THE LOAN
10:55 Run it through GUS
11:25 GUS can be a bit silly
12:10 GUS likes your loan??
13:15 No Acreage Limit on USDA
13:30 Is the appraisal strict?
13:53 Not the loan if you have other loans.
14:06 No Swimming Pools AT ALL
14:28 Credit Scores
14:45 640 and above?
15:25 More USDA Videos to Come
15:50 Get on the Calendar !
Hashtags:
#nodownpayment #zerodownpayment #usdaloans #usdaloans
The link to USDA to check property eligibility and income limits
eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
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Thank you very much, have a wonderful day,keep up with the great content,look forward to learning more,
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Thank you Jenn!
Such a great program for those that qualify!
thanks for the info on USDA loans
Happy to help:)
Thank you ❤
Hello. I enjoy the information you always bring. Keep it coming.
Antonio in CT.
Thank you Antonio:)
@Jennifer great information and I don't say this enough but your record in the video are always beautiful.Take care
Thank you Chef. I appreciate you. I hope your New Year is starting off good :)
rural area -check -rural PA
within income limits- combined household income of 71k consisting of 2 people- check
unsure about how to calculate the debt to income
do these work for manufactured homes on rented lots?
credit score 700ish- check
sounds like a solid maybe for me.
Thank you, Ma'am.
Happy to help! I see army in your name so 100% VA loan will be best option for you and it is zero down too.
@@JenniferBeeston Yes, Ma'am
How difficult is a construction loan, as vacant property (USDA) property is easier to find than homes.
Hi 😊 ms Jennifer
Hi 👋
Thanks for tuning in! Here is the breakdown
Timestamps:
0:00 I'm Not Talking About VA
0:20 What Is This Loan About?
0:49 Why Lenders Don't Talk About It?
1:15 The USDA Loan
2:00 Benefits of USDA
3:10 USDA Qualifications
3:58 Top USDA States
4:25 Are You Loo ng at An Area That Qualifies?
4:50 Try Playing With The USDA Tool
5:25 Not in an Area?
5:40 Income Restrictions??
7:30 Its Based Off Household Income
8:55 Debt-to-Income Guidelines
10:25 Qualifying with DTI is those JUST ON THE LOAN
10:55 Run it through GUS
11:25 GUS can be a bit silly
12:10 GUS likes your loan??
13:15 No Acreage Limit on USDA
13:30 Is the appraisal strict?
13:53 Not the loan if you have other loans.
14:06 No Swimming Pools AT ALL
14:28 Credit Scores
14:45 640 and above?
15:25 More USDA Videos to Come
15:50 Get on the Calendar ! calendly.com/d/4x6-w3n-5gp/usda-q-a
Hi, so I just got a SFH USDA direct loan application. Do I return it back to the USDA office or to the lender(s) of my choice?
if you are doing direct it goes to USDA but they have super specific instrcutions so I would follow them to the t. www.rd.usda.gov/about-rd/offices/state-offices
@@JenniferBeeston got it. Thanks for the help!
I've heard horror stories about USDA loans, does Tennessee or Kentucky have USDA
If the lender does not know how to do them you could have issues but if they know then they are easy and no drama. Yes both states do. I have a link to the USDA site where you can look up eligibility.
What if you do get married after you got the loan in your incoming creases is that a problem?
All good if after the loan closes, you get married and find love, then that’s fantastic. Now if you’re engaged and you’re planning to get married, and you know that person‘s going live with you, but you’re pretending they’re not going to well that would be lying which I do not advise
Ive heard s 640 credit score is ideal, would you agree?
640 or higher
👏👏👏👏👏👏
Are you licensed in Alabama?
Yes I am:)
USDA doesn't have a set credit score requirement.
But lenders do