USDA Home Mortgage Loan
No Money Down - No Cash Needed For Closing**
Please Click To Our New & Improved Home Page!  

Please Click To Our New And Improved Home Page!


  100% Financing 6% Seller Contributions Allowed
(means the Seller can pay 6% of Sale Price towards your Closing Costs)
NO Monthly Mortgage Insurance

Did you know I offer the No Money Down  USDA Home Loan program for purchase? And that the USDA loan is also availabl refinance? 

With a USDA no money down mortgage loan, you can purchase your dream home!  With a variety of loan features and benefits available including up to 100% financing (No Money Down), a USDA mortgage loan may be the perfect mortgage for you. 

Here's the scoop on the  USDA loan program:

  •  A 30 year fixed rate mortgage loan for 1 unit primary residence properties only
  • Up to 100% LTV (loan-to-value) allowed based on the appraised value
  • Up to 6% seller contributions allowed (that will usually cover all the closing costs)
  • No minimum contribution from your own funds required = No Down Payment Required
  • You can even finance the closing costs into the loan amount up to the maximum LTV (loan-to-value) amount.  Remember, the LTV is based on the Appraised Value, not the sale price... that is a significant niche, call me and I will explain why that is such a good thing for you.
  • Low, 2% upfront Guarantee Fee is financed into the loan amount. No monthly mortgage insurance payments required!
USDA home mortgage loans are often thought of as only for rural properties or farms.  That is not true.  Many counties on the Eastern Shore of Maryland are eligible.  Worcester County, Somerset County, Kent County, Queens Anne's County, Talbot County, Caroline County.   Even some areas of Montgomery County, and other Maryland counties are eligible for USDA mortgage loans.

The USDA mortgage loan program has GEOGRAPHIC AND INCOME LIMITATIONS; please check with me.  I prefer the actual property address, if not available the County where you will be buying your home with the USDA home mortgage loan.

Are you interested in learning more about and or applying for a USDA home loan program?

Inquire about the USDA Home Loan with our online Prequalification Form

Owner Occupied First Time Buyer USDA mortgage loans in Maryland.  Not in Maryland?   Not a first time buyer?  No Problem!


Generally, this program requires good credit.
I did not say that it requires excellent credit, it does not. 
A few blemishes or even a discharged bankruptcy may be allowed. 
 Other guidelines may apply.  Call  for more information and other guidelines.

Complete the On Line Prequalification Form And Get Started Today!

**Important: Please call or have your agent call  BEFORE writing an offer/ contract on a home for details of No Cash Needed For Closing.  If the seller will not pay 6% towards closing (usually covers everything), then there still may be a way to avoid having to bringing money to closing. 

Other guidelines may apply so call today for more information on this USDA mortgage loan.

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