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It is hard to beat the flexibility and great rates of USDA rural housing loans. These programs are geared toward homebuyers who live in rural areas of the Country and who have little to no money to put down. USDA rural housing loan programs offer flexible, common sense underwriting guidelines, relaxed credit requirements, no PMI (private mortgage insurance) options, the ability to finance closing costs into the loan amount, lenient seller concessions, and rates that are comparable to, if not better than, conventional fixed rate mortgage programs.

Are you ready to own a home but are not sure you will qualify due to lack of a down payment? 

Rural Development may be able to help you!  USDA Rural Development has partnered with Schaefer Mortgage to help extend 100% financing opportunities to rural individuals and families.

Advantages of a USDA Rural Housing Loan include:

• 102% Financing (Up to Appraised Value)
• No PMI
• No Down payment Needed
• Not just for first time home buyers
• No reserves required
• No limit on seller concessions
• 100% Gift Allowed
• Liberal compensating factors
• Flexible credit score guidelines
• No maximum purchase price limit
• Repairs and improvements can be included in the loan
• Competitive fixed 30-year rates

The Rural Development guaranteed loan program has assisted thousands of customers just like you.