Home loans

USDA
loans.

For eligible homes in rural and some suburban areas.

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The program

Room to breathe, outside the city.

A USDA loan is a mortgage backed by the U.S. Department of Agriculture’s Rural Development program. It helps low- and moderate-income buyers purchase a home in an eligible area.

Both the home and the household have to qualify: the property must be in an eligible area, and household income must be within the program’s limits. Vadim checks both with you before you start looking.

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What to know

Four things to know about USDA loans.

  1. 01

    Location matters

    The USDA publishes a map of eligible areas. Many include small towns and suburbs.

  2. 02

    Income limits

    Household income has to be within the limit for the county.

  3. 03

    A guarantee fee

    USDA loans carry an upfront guarantee fee and an annual fee, in place of private mortgage insurance.

  4. 04

    For the home you live in

    The home must be your main residence.

Working with Vadim

One broker, from the first call to the keys.

  1. Talk it through

    A call about your plans, your numbers and your timeline.

  2. Apply once

    One application and one credit check, while Vadim looks at several lenders.

  3. Vadim shops the loan

    As a broker, he compares loans from multiple lenders and brings you the options.

  4. Close

    He stays with you through underwriting, the appraisal and closing.

Loan programs

Nine ways to buy or refinance a home.

Buying your first home, refinancing the one you have, or borrowing against it. Investing instead? See the investor loans.

For homebuyers

Buying or refinancing a home

Owner-occupied loans

Ask about home loans
09Programs
  1. ConventionalA standard mortgage that isn’t backed by the government.
  2. FHAInsured by the FHA, with flexible credit guidelines.
  3. VAFor eligible veterans, service members and surviving spouses.
  4. USDAFor eligible homes in rural and some suburban areas.
  5. JumboFor loan amounts above the conforming limit.
  6. RefinanceChange your rate or term, or take cash out.
  7. Second MortgageBorrow against your equity and keep your first mortgage.
  8. RenovationBuy or refinance and fund the renovation in one loan.
  9. Down Payment AssistancePrograms that can help cover your down payment.