If you’re looking to buy a home outside city limits, then you can turn to the United States Department of Agriculture (USDA) for home loans. The USDA allows borrowers to take out loans for their future homes, offering flexible credit requirements and zero down payments. Buyers seeking real estate near the Lake Tahoe area may be eligible for these loans if they are outside Carson City limits, and we work with buyers on USDA home loans to make sure you are getting the best deal for your situation.
Are USDA home loans a fit for you? Aaron Hinson and the Luna Lending team can help walk you through the process and ensure you are making the right decision. From our qualifier tool to evaluating different loan programs, our extensive knowledge allows you to take control of your property’s loans and financing, no matter if you are a long-time homeowner or a first-time buyer.
We start the process off by having you use our helpful USDA loan qualifier tool to see if you are eligible. From there, we go through all the options available to you based on your criteria and financial background, making sure all of the loan and financing plans are catered specifically towards your situation. Once we’ve compared all of the mortgage options, interest rates and terms of each option, you should feel comfortable making the right choice for your needs and take control of your home’s finances.
Homeowners take advantage of USDA home loans for various reasons, but perhaps the biggest draw for many is the lack of a required down payment to be approved for this loan. Taking money out of pocket upfront is often a detractor for those looking to finance their home or take out a loan for their property, but the USDA does not make this a requirement, making it easier and more accessible for those who need this type of home loan to be approved. If a USDA loan sounds like the right choice for your new home, check out our free qualifier tool and see if you are eligible!