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 t 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.