See who qualifies for a USDA loan — income limits, eligible areas, credit, occupancy, and DTI guidelines explained by The 2 Mortgage Guys.
See who qualifies for a USDA loan — income limits, eligible areas, credit, occupancy, and DTI guidelines explained by The 2 Mortgage Guys.
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USDA financing fits owner-occupants in eligible rural and suburban areas who meet household income limits and want $0 down. Qualification hinges on location, income, credit, DTI, and a move-in-ready primary home — not one perfect score.
Underwriters and USDA look at the whole file. These are the pieces that matter most.
USDA shines when you need to conserve cash and the property maps as eligible — as long as household income stays within limits.
Many of these are fixable with timing, a different address, or another program — not automatic dead ends.
Ryan and Steve review the real file — not a generic online checklist.
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We will check property eligibility, income limits, credit, and cash to close — then get you pre-approved so you can shop with confidence.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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1221 Appletree Lane, Kokomo, IN 46902
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