Rural Buyers

100% Financing – No Down payment.This Guaranteed Rural Housing Loan Program (USDA) provides affordable housing options for rural buyers. Some benefits of this program:

Income limits are 115% of U.S. median (for most counties, the four-person household limit is $65,000.)
Maximum loan amount up to 102% of the purchase price, when the one-time 2% guarantee fee is financed into the loan amount.
No monthly mortgage insurance is required.

Eligible rural areas (generally towns of 20,000 or less that are removed from urban areas) in the Central Valley include:

Stanislaus County: Knights Ferry, Newman, Oakdale, Patterson, Riverbank, Salida, Waterford
San Joaquin County: Lathrop, Linden, Lockeford, Ripon, Thornton

Get Started Now:Apply Online»

- or -

Call Us:
Modesto - (209) 572-2301
Stockton - (209) 952-2301