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How to find out if a House Qualifies for a USDA loan. Rural Homes

Mortgage and Lending with www.DaveYourMortgageGuy.com - Legend Lending NMLS #293883

USDA loans are amazing mortgages.  You can qualify for 0% down payment and no mortgage insurance.  When applying for a USDA loan you must be approved for the mortgage.  And the home you are interested in must qualify for the program, also.  The home must be in a Rural area and approved by the United States Dept of Agriculture- Rural Development.  To find out if the home qualifies go to USDA.  Click on "single family housing".  Then input the address and the website will tell you if it does or does not qualify for the program.  When applying for a mortgage make sure you know all of your options.  A USDA loan may be the best option for you.  Call me today with any questions. 

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David Krichmar 

Mortgage Banker NMLS#293883 

Legend Home Lending

LLC NMLS #229421

Top 1% Loan Officer Nationally

Has Written For Realtor Magazine, Houston Agent Magazine, Scotsman Mortgage Guide

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Comments (9)

Pat Champion
John Roberts Realty - Eustis, FL
Call the "CHAMPION" for all your real estate needs

The USDA program is a great program available for buyer's today it is good to know there are options available for them.

Jan 24, 2011 04:11 AM
Tara Lewis
The Horn Company Real Estate Group - Hondo, TX
Medina County TX Real Estate


I love USDA.  Thanks for the post!


Jan 24, 2011 04:11 AM
David Krichmar
www.DaveYourMortgageGuy.com - Legend Lending - Sugar Land, TX

So True, Thanks Tara

Jan 24, 2011 05:51 AM
Joe Doran

We have a purchase agreement for our house to be bought. The buyer is using a rural development loan. What things should I be looking at on my house to make sure it is ok for this type of loan? My address is 4875 Glen St, Rapid City, SD. 57703. I am wondering about things like paint or a rail on the front step.

May 07, 2013 11:43 AM
Help! We are a week away from our closing with a USDA/CHFA loan in CT. TODAY the loan lady called to say that the usda underwriters have said that the L1 visa my husband has is temporary and therefore not eligible! Our closing is scheduled for the 21st. We started this application in March. I am seeing on your website and USA direct's website that an L1 visa is ok? Please help...have spent over $2,000 at least so far. I can't believe they would tell us this 7 days before our closing. Any advice is appreciated. Thank you FYI: my husband has his EAD card from our initiated green card application process. We only have to interview at this point and they should grant it. However, I am a US born citizen (he is from India if that helps).
May 13, 2014 01:27 PM
David Krichmar
www.DaveYourMortgageGuy.com - Legend Lending - Sugar Land, TX

I am sorry JT, that this happening to you.  It happens more times then not.  I would suggest finding a lender in CT that is knowledgable about immigration visas.  As many are not knowledable. 


May 14, 2014 03:04 AM
Kim Bice

We tried to purchase a home with this loan and they said the 104 acre property was too large and worth more than the house on the property. Are there any more regulations like this that we should be aware of?

Apr 14, 2015 03:57 AM
David Krichmar
www.DaveYourMortgageGuy.com - Legend Lending - Sugar Land, TX

this is true as the land can not be worth more then the house in a situation like that. 

Apr 15, 2015 12:54 AM