Empowering Homeownership with USDA Loans

Get the latest insights on Conventional Mortgage Loans. Learn about down payments, credit score requirements, interest rates, and refinancing options.


What is a USDA Loan?

Wondering how to own a home in the beautiful rural areas of America? USDA Loans can be your key to homeownership in these areas. Let's dive in!

  • Government-backed mortgage

  • Designed to boost rural development

  • Lower interest rates compared to traditional loans

Benefits of USDA Loans

  • Zero Down Payment

  • Lower Mortgage Insurance

  • Flexible Credit Guidelines

Loan Types

Different Types of USDA Loans

There are several types of usda loans available in the market, each with its own advantages and disadvantages. Some of the most common types of investment property loans are:

Single Family Direct Home Loans

For low-income households Directly funded by USDA

Single Family Guaranteed Home Loans

For moderate-income households Backed by USDA but funded by approved lenders

Rural Repair and Rehabilitation Loans

For essential home repairs

Take your time: Don't rush into buying a home.

Take the time to explore your options, ask questions, and make informed decisions. By following these guidelines and doing your research, you can increase your chances of finding the right home and securing a favorable mortgage loan.

Who’s Eligible?

Criteria and Requirements for USDA Loans

Benefits of Government-Backed Loans

U.S. citizens or permanent residents

Intent to occupy the property as a primary residence

Trends in Government-Backed Loans

Minimum score varies, often around 620

Credit history evaluation

Meet the USDA’s income limits

Varies by location and household size

Qualification Requirements

Located in a USDA-designated rural area

Meet safety and quality standards

The Process

The application process for USDA Loan


Check Eligibility

Use the USDA website to check both personal and property eligibility.


Gather Documents

Income verification, credit reports, and other financial documents.


Choose a Lender

Look for USDA-approved lenders.


Get Pre-Approved

Essential for knowing your purchasing power.


Property Search

Make sure it's in a USDA-eligible area.


Complete the Application

Submit your application and required documents to the lender.

Swift Programs

Explore Our Array of Loan Programs Tailored to Suit Your Needs

Discover home-ownership with our tailored loans. Our expert team ensures you get the perfect loan for your unique needs.


Our 1099 loans, provide flexible financing solutions tailored to your needs.

  • Min 640 FICO

  • Upto 90% Max LTV

  • Upto 50% DTI Ratio

  • Interest Only Available

  • 1/2 Year Form

Interested in this program


Asset depletion is a financial strategy utilized by lenders to assess a borrower's eligibility for a loan.

  • 2 Month Bank Statement

  • ITIN Program to 80%

  • Foreign National to 75%

  • 1099 Only & DSCR

  • 12 Month Bank Statement

Interested in this program


A specialized loan program for foreign nationals, providing tailored financing solutions.

  • Min 700 FICO

  • Upto 75% Max LTV

  • $ 3M Max Loan Amount

  • Asset Utilization allowed as an

  • eligible doc option

Interested in this program


Specialized mortgage products for financing units that are operated as part of a hotel or resort.

  • Min 680 FICO

  • Upto 65% Max LTV

  • $ 1.5M Max Loan Amount

  • Minimum square footage of 500 sq/ft

Interested in this program

Have Questions?

Curious about anything?

Below you can find the answers to frequently asked questions.

Swift Support

Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7

Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.

Customer Service

Please provide your query, and we will assist you as quickly as we can.

Contact Us

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Get started now on your financial goals

Provide some basic information and we'll match you with a loan option and mortgage rate that meet your needs.


Stay Connected

+1 ( 888 ) 499 - 9060

Address: 17341 Irvine Blvd.,

Suite 285, Tustin, CA 92780