USDA Loans

The U.S Department of Agriculture (USDA) mortgage program has made buying a home more feasible than ever for low to moderate-income rural and suburban dwellers. If you prefer seeing pastures than pavement, then your ideal home may be in reach with a USDA loan.

The USDA’s mission is to provide opportunities for low to moderate-income families to live in safe and sanitary homes. With this in mind, there are specific guidelines that must be followed and qualifications that must be met to secure a USDA loan.

At Chris Doering Mortgage, our loan experts are well versed on the process of acquiring a USDA loan and can help you through every step of the home buying process to ensure you find the home loan program that makes sense for you.

How USDA Loans Work

There are two USDA loan options that are offered to borrowers. Each program is designed for a specific type of borrower and neither of the options require a down payment from borrowers.

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USDA Direct Loan

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USDA Guaranteed Loan

Unlike most government backed program, a USDA direct loan provides funds directly from the USDA. This loan program offers financing strictly to low-income borrowers to increase an applicant’s repayment ability.
Because the USDA direct loan offers great assistance for low-income borrowers, there are many factors that are considered when determining an applicant’s eligibility. At a minimum, an applicant’s income must be at least 50% less than the average median income for the area.


Applicants must:


Properties financed with direct loan funds must:

How to Apply in Florida

If you are a low to moderate – income family interested in living in a rural or suburban area, a USDA loan may be great for you and your family. At Chris Doering mortgage, we can help you find a home loan program that works. Our experts will guide you through every step of the process.