(702) 580-5069 NMLS # 557025

(702) 580-5069 NMLS # 557025

Company NMLS# 1133463

(702) 580-5069 NMLS # 557025

Company NMLS# 1133463

USDA Loans



  • Purchasing a home in a rural area

  • Low to moderate income

  • US Citizenship or Permanent Residency

  • Lower debt to income ratios or a credit score about 680

  • A steady job

USDA Loans are for those who are purchasing a home or property in a rural area. These loans can offer up to a 100% financing but depend, of course, on the buyer and the home in question!

USDA loans are backed by the U.S. Department of Agriculture. These loans are designed for those who live in rural areas, often with livestock (but not required), and who make a living wage on the low to average side with credit scores in the mid six-hundreds or higher! Grant money and gifted money can also apply towards buying a home with a USDA loan, which opens even more doors.

97% of the United States is USDA eligible so don’t be discouraged thinking your desired area may not qualify. Rates and loan amounts also change based on where you’re looking to buy as they fluctuate with the market one is looking at.

There are multiple types of loans buyers can apply for under a USDA loan and all fall under three main categories:

Home Improvement Loans and Grants: these can be combined and offer buyers financial help up to 27,500 to upgrade or repair their homes in rural areas.

Direct loans: Geared towards low income borrowers, these loans have interest rates as low as 1%.

Loan guarantees: The most standard option. The USDA backs loans given by lenders with low interest rate and low to no down payments.

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Merit Lending

9960 W Cheyenne Ave

Las Vegas, NV 89126

Company NMLS# 1133463




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NMLS # 557025

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