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Florida USDA Home Loan

One of the more popular loan products in the Sunshine State is the Florida USDA Home Loan. This is a USDA Loan product. It is very popular with Florida home buyers. The Florida USDA Loan has several features that make it attractive.

The most important feature is it is 100% No money down. Borrowers who qualify are not requires to put any money down. The only other loan product available that offers no money down is the Veterans Home Loan however if someone is not a veteran they do not qualify. Often time’s borrowers may have money to out down but with rates at historic lows the elect to go with the no money down product.

Another feature of the Florida USDA Home Loan is that the monthly mortgage insurance is very low compared to the FHA Loan which is another government backed loan. The FHA Loan has a monthly mortgage insurance factor of .85%. The USDA Loan has a monthly mortgage insurance factor of .50%. This can save hundreds if not thousands over the course of a year.

The USDA Loan also allows the seller of the property to pay up to 6% of the sales price towards closing costs. This usually is more than enough to cover the closing costs. With this coupled with the 100% TLV borrowers are getting into home with nothing out of pocket.  This is the biggest draw of the this loan product.

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USDA Home Mortgages

Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

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