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Utah USDA Eligibility

Utah USDA Home Loan eligibility will be determined by your financial history, and the property you're choosing to buy. First, the property in question must be in a USDA defined rural area. USDA defined rural areas can change from state to state, but are typically defined as any property located in a rural area, open country, or an area with less than 25,000 residents. This means that even if a property is located on the outskirts of a major city, in some small suburban community, it may still be defined as USDA eligible. For more information on a USDA eligible property in your area, please contact your PRMI representative.

Secondly, your financial and credit history will be evaluated. You need to have an above average credit history with a minimum credit score of 620, and no outstanding debt payments in collections, and no foreclosures or bankruptcies in the past 3 years. You must have steady and reliable income and be able to prove that you can afford monthly mortgage payments, as well as any other bills and previous debts you may have incurred. You must be a U.S. citizen, and be within in the income limitations for that designated area.

Utah USDA Home Loan Advantages:

No Down Payment* is required.
Flexible credit guidelines. (Minimum credit score 620)
Bankruptcy ok after 3 years
Foreclosure ok after 3 years
No maximum purchase price limit.
Closing costs can be financed in.
Competitive rates.
Low monthly mortgage insurance
Can be used to purchase existing homes, new construction, or foreclosures

100% financing Utah home loans

Primary Residential Mortgage, Inc.
1165 E. Wilmington Ave Suite 250
Salt Lake City, UT 84106
435-671-4083
NMLS # 3094
Branch NMLS # 919520
Licensed by Utah Division of Real Estate #5489480
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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.