Hawkins Home Loans in West Sacramento, California can help you learn the requirements for USDA loans and determine your eligibility. USDA loans are loans issued by the government, and often issued to those in rural areas, small communities and some areas just outside major metropolitin areas.
Call Lori Hawkins's team at (916) 371-6300 to check your eligibility for a USDA loan.
What is a USDA Loan?
USDA home loans, also known as rural development loans, are loans issued by the US goverment. To help families who may not quality for convential loans or have the same lending options as those in larger cities, the US government issues these loans through approved private lenders.
With a USDA loan, the family can borrow up to 100% of the home's appraisal, meaning no down payment is needed. The loan is set for a 30-year fixed rate home loan, and requires no mortgage insurance.
A USDA loan is a great option for families in smaller communities trying to find a way to buy a house.
To see if you pre-qualify for a USDA loan, contact Lori Hawkins today at (916) 371-6300.
Who is eligible for a USDA Loan?
According to USDA, to be elibible for a USDA loan, you must:
- be a US Citizen, a US Non Citizen National or have a qualified Alien status
- be at least 18
- not own another house in the local area
- occupy the home as your primary residence
- be unable to get conventional loan that requires a 20% down payment
Income Guidelines for USDA Home Loans
There are income guidelines for USDA loans that vary by the area in which you're applying for the loan. To learn the guidelines for your desired area, please contact us at (916) 371-6300 or email Lori Hawkins!
How do I apply for a USDA Loan?
Hawkins Home Loans in West Sacramento, California is an approved lender and can help you secure a USDA loan. USDA loans are offered by lenders such as LeaderOne Financial who meet federal guidelines on lending.
To determine if you pre-qualify for a USDA Loan, please complete our form online or call Lori Hawkins at (916) 371-6300.
This is my second transaction with Lori. I would look no further if you are looking for someone who is knowledgeable in the business. She makes the lrocess so easy.
Would highly recommend Lori. I’ve completed many loans with Lori and every time she has my best interest at heart. Her office is amazing, they always respond quickly to my questions.
Lori just closed two refinances for me in record time. Ahe got me the best rate out there. Her offixe is alqaya plesant to work with. Comminication is always wonderful. I would recommend you work with Lori od you are in the housing market.
Lori and her team are always amazing. This is my third transaction with her and they are always on the ball. She makes refinancing an easy process and I would highly recommend her for your fianncing needs.
Lori was tremendously helpful, answered all of our questions, and was very responsive. Her patience with us in answering questions and double checking on information. We would highly recommend her to anyone in the future!!
I did a refi loan with Lori. She answered alot of my questions and concerns with my loan. She was also very patience with me since I had lots of questions and concerns on my loan.
We had an excellent experience with Hawkins Home Loans and would recommend them for your next purchase or refinance! Thank you Lori and your whole team.
As a new first-time home buyer I had many questions about the process and Lori and her team made it easy and an enjoyable experience. I highly recommend Lori Hawkins!
This is the second time we work with Lori she is very friendly and helpful. She always make sure that we understand the whole process and that we 100 % happy with our loan. We’re really greatfull to find her she’s Amazing.
Great company to work with. Always responds back fast. Im a very busy person with work, so its helpfull when the office answers promptly. I would really recommend Lori and her team. She is very passionate about her work and doing what is best for your family.