USDA Home Loans Are Our Forte

USDA Home Loans Are Our Forte

We Know USDA & We Know Alabama.
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USDA Mortgage Alabama

What is a USDA loan?

A USDA loan, or USDA Rural Development loan, is a type of mortgage loan which is extremely common in states like our beautiful Alabama. These loans are specifically designed for those who live in - or are looking to live in - a rural area. USDA loans are offered in eligible areas determined by the United States Department of Agriculture. The good news for you is that most of Alabama is eligible for USDA loans (depending on the property use, of course)!

USDA Income Requirements & Limitations

Understanding USDA Income Limitations & Eligibility

There are some requirements you must meet before you can get a USDA loan. First, you must have a low-to-moderate income which varies by each county. You can find out if you’re eligible in your county here. You have to agree to occupy the property as a primary residence and be a US citizen, non-citizen national, or a qualified alien. You must be legally able to obtain the loan and must not be banned from participation in federal programs. Finally, you have to show that you will be able to pay off the loan in a timely manner and purchase a property that is in an eligible location, you can see if the property you’re eyeing is in an eligible location online at the government’s USDA Rural Development site.

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