Here's the Zero and Low Down loan program info
USDA Rural Housing Mortgage -A true zero down loan program that's easy to qualify for-and with super low rates!
The United States Department of Agriculture, aka USDA, offers a home mortgage that is commonly referred to as the Rural Home Loan. This loan is open to all borrowers that qualify who wish to buy a home in a rural area. Here are the highlights of the USDA program.
​
-
No down payment -and the seller or lender can pay your closing costs-ask me how!
-
Lenient credit requirements – it is not necessary to have high credit scores
-
Eligible homes – in order to qualify for the USDA home loan, the borrowers must buy a property that is located within an area that is designated as rural by the USDA. According to a recent report from USDA, almost 97% of the current land mass in America is listed as rural. This means wherever you are there is a good chance you may be eligible for this great program! Nearly all foothill locations in Northern California are eligible property locations!
-
Designed for average incomes – According to the USDA, the borrower’s income cannot exceed a certain level. The qualifying income is calculated based on the number of people that will occupy the home once the loan is approved. As of July 2019 Calaveras & Tuolumne County annual Income levels are $86,850 for a family of up to 4 and $114,650 for 5 or more in the household
​
​
Here are 3 other low or zero down loan programs-for more details-contact me here.
 |  |  |
|---|
About Us
Thanks for visiting our site--my name is Dennis Hughes -President of Lend4less. We can show you how to get a Hassle free Lower Rate and Save Money on Your Mortgage!
​
Many people make the error of believing the choice of a mortgage company is the most important one they make when searching for a home loan.​ NOPE! The most important choice is the right LOAN OFFICER!​
Any company can have great advertising gimmicks --with slogans like "Rocket Mortgage" -- and say they have the best rates available ---- most of which isn't true to begin with --- but if the loan officer is inexperienced, lazy or lacks integrity your experience can be a huge hassle that costs you time and money.
​
Putting your needs first should always be the #1 priority. Do you really believe a call center lender or a bank employed loan officer cares more about you than keeping their managers happy?-- it's far more likely they do what their bosses want -and put profit first over your needs! If you believe these big lender loan officers will put your needs first-- then unfortunately their marketing gimmicks worked on YOU!​
There is no substitute for experience, knowledge and integrity. A well connected mortgage broker is a great asset to help you navigate through the maze of home loan options and helps to make sure you receive the best rate at the lowest cost available!
​
Allow me to show you how it can feel to work with a very experienced loan Pro! One who cares more about your needs than maximizing profits.
​
Over 30 years in the mortgage business -- 10,000 plus closed loans as a loan officer, sales manager and company owner - I use all that experience to reduce hassles for you --and save you money!
​
