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100% Financing Archuleta County CO USDA Loans and Home Mortgage Loans

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Mortgage and Lending with Clear Path Home Loans NMLS #395819, #2564260

Archuleta County Colorado USDA home loans, 100% financing with Archuleta County Home Mortgage Loans.

USDA mortgage Loans in Archuleta County are can help you with your home buying needs, and can be an excellent choice. If you are looking to buy a home in Archuleta County , there is an amazing 0% down payment option for you to take advantage of. Read more below:

-Interest Rates on this program are still competitive compared to both FHA and Conventional Loans. There is 100% financing available with small monthly mortgage insurance (consists of about .30% of loan amounts per year).

The biggest features of a USDA home loan include 100% financing with no down payment and interest rate loans that are fixed for 30 years. Compare the low MI (Mortgage Insurance) to other loan programs that aren't nearly as low and you will see the difference. There are many differences when qualifying for a USDA loan that you should be aware of.

The differences are: Most of the State of Colorado qualifies for USDA loans however, some geographical areas do not. A very easy and efficient way to determine if you are in an eligible is by visiting this website and putting in your address: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property%4011

If your property is in an eligible area, you can use a USDA loan to purchase the new home. You must also qualify based on your income, but you can use a series of credits that are afforded for child care and dependents under 18 years of age. An important part is to find a lender that provides "in-house" USDA home loan programs.

Another program that fits well with the USDA rural housing program is the Colorado Home Buyer Tax Credit which will save you an additional (on average) over $100 per month off your mortgage interest.

For more information on getting a USDA loan, please contact RJ Baxter, NMLS #395819 at 303-670-0137, http://www.cohomesandloans.com

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RJ Baxter- Branch Manager, Educator, Speaker, Mountain Biker, Broncos Fan, Snowboard Shredder, Father of Two Crazy Kids

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303-670-0137 (direct)

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Lakewood, CO 80228

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