USDA Loan Eligibility


The USDA loan is part of a federal program that supports rural development. If you’re buying a home in a rural area, make sure to check with me to determine if you’re eligible for a USDA loan. The USDA loan requires ZERO down payments – which is almost unheard of these days.

Other benefits to the USDA loan includes a 30-year fixed interest rate – meaning the rate will not adjust over its lifespan. Also, no mortgage insurance is required on a USDA loan.

If you’re eligible for a USDA loan, this is a great route to financing. Below are some eligibility requirements:

  • Rural area
    You must purchase property within an eligible area. To determine if you’re eligible, check out the interactive map on the
    USDA’s website or call my office at (954) 641-8103 .
  • Income requirements
    There is an income limit that is set for your county – you must not exceed that in order to be eligible. Some of the factors that go into determining include:
    • Your county
    • The total number of people in the household
    • The number of residents under age 18 (or disabled or full time students)
    • Your age
    • The number of disabled persons in the home
    • Your monthly expenses versus your income
  • Credit history
    This works differently than a credit score – your credit history will be reviewed to determine if you appear to be someone able to repay the debt and not default on the loan.

Get started by calling us at (954) 641-8103 .

Aaron Hassinger photoAaron Hassinger 
Loan Officer - NMLS #1005423 

4300 N University Drive, Suite B102 
Lauderhill, FL 33351

Phone – (954) 641-8103  
Efax – (954) 621-3919
Email: aaron@aaronhassinger.com



Equal Housing Lender logo

AmeriFirst Financial, Inc. (NMLS ID 145368) is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). 
Not intended for legal or financial advice. Consult your own professionals if such advice is sought.

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