{"id":6319,"date":"2023-09-06T17:22:58","date_gmt":"2023-09-06T17:22:58","guid":{"rendered":"https:\/\/chenoafund.org\/?p=6319"},"modified":"2024-06-10T14:27:55","modified_gmt":"2024-06-10T14:27:55","slug":"how-usda-loans-make-homeownership-more-affordable","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/how-usda-loans-make-homeownership-more-affordable\/","title":{"rendered":"How USDA Loans Make Homeownership More Affordable"},"content":{"rendered":"[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]As home prices continue to rise\u2014even in rural areas\u2014the dream of owning a home becomes increasingly challenging for first-time buyers. When mortgage rates are also rising, that dream can feel even more distant than ever. But that doesn\u2019t necessarily mean the dream is out of reach.<\/p>\n

With the right guidance, you’ll discover that there are many pathways to affordable homeownership hidden in plain sight. And if you\u2019re looking to buy a home outside of major urban centers, one of the routes to take are home loans from the United States Department of Agriculture, otherwise known as USDA loans.<\/p>\n

What Are USDA Loans?\u00a0<\/strong><\/h2>\n

While homes located in rural areas have traditionally been less expensive than homes in urban and suburban areas, the housing landscape has shifted significantly since the COVID pandemic. As more Americans took advantage of remote work and moved outside of big cities, rural home prices have surged, and many rural communities are facing very limited inventory.<\/p>\n

Another formidable barrier standing between first-time buyers and homeownership is the dreaded down payment. Even the seemingly modest 3% down payment required of conforming mortgages translates into tens of thousands of dollars. This can be a particularly difficult obstacle for borrowers who have little savings and lack family members who are able to offer financial assistance.<\/p>\n

Yet there are options and solutions tailored to overcome these hurdles. One option is a USDA loan<\/a><\/span>, which provides 100% financing to qualified borrowers in rural communities. Since 1991, USDA loans have been essential in helping rural Americans realize their homeownership dreams.<\/p>\n

What sets USDA loans apart is the inclusive definition of \u201cmoderate income,\u201d which allows borrowers to earn up to 115% of their area’s median income and still be eligible for 100% financing. This ensures that even those whose wages haven’t kept up with the rise in housing prices have a shot at homeownership.<\/p>\n

Where They Can Be Used<\/strong><\/h2>\n

To this day, many people mistakenly believe USDA loans are only for purchasing farmland. The reality is that they can be used for most single family homes located anywhere outside large urban and suburban markets.<\/p>\n

Generally, USDA loans are available in cities with 35,000 residents or fewer. But that accounts for an enormous number of housing markets. In fact, nearly 97% of U.S. land qualifies under the program. The USDA also provides an\u00a0interactive map <\/a><\/span>to see if the home you\u2019re looking to buy qualifies.<\/p>\n

USDA loans do have other requirements. For example, the home being purchased must be structurally sound and meet specific safety standards. It must be used as a primary residence, and certain properties\u2014such as homes with an in-ground swimming pool\u2014aren\u2019t allowed.<\/p>\n

For borrowers who qualify, however, USDA loans are not just a financial tool but a means of empowering families through homeownership, even if they don\u2019t have much savings.<\/p>\n

Where To Start<\/strong><\/h3>\n

If you live in a rural area\u2014or are thinking about moving to one\u2014and rising home prices are making you feel deflated about your chances of buying a home, a USDA loan might just be the answer.<\/p>\n

Thankfully,\u00a0CBC Mortgage Agency<\/span><\/a>\u00a0has recently received approval to offer the USDA\u2019s Section 502 Guaranteed Loan Program. We also partner with a vast network of correspondent lenders across the U.S. who can help determine if you and the home you want to purchase can qualify.<\/p>\n

At CBC Mortgage Agency, we\u2019re not just about providing solutions that make homeownership more affordable. We know buying a home is a significant life decision, and that every borrower has unique hurdles to overcome.<\/p>\n

That\u2019s why we provide tailored guidance as well as homeownership counseling to ensure your homebuying journey goes smoothly and you receive personalized assistance every step of the way. We can also match you with a USDA lender who understands your local market and is committed to making your homebuying dream come true.<\/p>\n

Ready to learn more about USDA loans<\/span><\/a>? Reach out to us today at 866-568-3507or drop us a note to\u00a0info@chenoafund.org<\/span><\/a>.<\/p>\n

CBC Mortgage Agency \u2013 NMLS 1186381<\/strong><\/p>\n

For licensing information, go to\u00a0www.nmlsconsumeraccess.org<\/a>.<\/p>\n

Illinois Residential Mortgage License #MB.6761292. Illinois Department of Financial and Professional Regulation, Division of Banking, 555 W. Monroe St., Suite 500, Chicago, IL 60661\u00a0\u2013 1-888-473-4858. This information is provided by CBC Mortgage Agency and intended for real estate and mortgage professionals only. It is not intended for public use or distribution. Terms and conditions of programs and guidelines are subject to change at any time without notice. This is not a commitment to lend. Equal housing opportunity.[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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