The USDA home loan programs is growing in  popularity, USDA loans offer incredible benefits to Florida home buyers in search of a home in USDA rural approved Florida areas! More Florida first time home buyers are taking advantage of the USDA home loan. In 2009 the USDA enacted changes that increased the eligibility effort for those seeking a home in Florida. Many Florida home buyers dream of purchasing a home but don’t have the required cash on hand to make the hefty 20% down payment required by a conventional Florida home loan programs. The USDA home loan program stands as a true 100% Florida home loan financing program along with the FHA mortgage and VA home loan. If your searching for a home in a rural area of Florida you will be hard pressed to find a Florida loan program that offers more favorable terms. Highlights of the USDA loan include the following:

  • USDA home loans are not just for farmers; however you must locate a Florida home in a designated rural area.
  • USDA home loans offer low rates and 100% financing. The only Florida home loan program that includes the closing cost into the financed loan amount.
  • USDA home loans offer better terms that conventional, with no monthly mortgage insurance saving you 1000’s.
  • USDA home loans can be used to purchase a new or existing single family Florida home in any designated USDA approved area.


WHO QUALIFIES FOR A FLORIDA USDA MORTGAGE? USDA Home loans used to be considered “farmers loans” but that is simply not the case anymore. Just about anyone looking to purchase a Florida home outside a major metropolitan area you may qualify for a USDA Loan. There are some  eligibility standards that determine needed if you qualify for a USDA loan for your home include what county and zip code the home resides in, your current income and credit history, as well as the number of household dependents you can claim. Because USDA guidelines are very specific, it is important to work with a Florida mortgage lender that has experience dealing with USDA government financing to help purchase the home of your dreams.

WHAT IS A FLORIDA USDA LOAN?A USDA Guaranteed Loan is a Government insured Florida home loan that is only available in rural Florida areas. USDA loans are made and serviced by direct Florida mortgage lenders like us.

USDA FLORIDA HOME LOAN GUARANTEEUnder the Florida USDA Loan Guarantee Program (Section 502) the Florida Housing and Community Facilities Programs guarantees Florida loans made by private Florida USDA mortgage lenders. The USDA loan guarantee through HCFP means should the Florida home buyer default on the USDA loan, the HCFP will reimburse the private Florida mortgage lender.

100% FLORIDA USDA FINANCING INCLUDING CLOSING COST AND APPRIASALUnder the terms of the USDA program, an individual or family may borrow up to 100% of the appraised value of the Florida home. The USDA loan eliminates the need for a down payment and closing cost and appraisal reimbursement as closing, as long as the home appraises for more than the purchase price. Since a common barrier for owning a Florida home for many low-income people is the lack of funds to make a down payment, the availability of the USDA loan guarantees from HCFP makes the reality of owning a Florida home available to a much larger percentage of Florida home buyers.



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We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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