Buy a Home in Smyrna TN with no Down Payment; USDA Rural Development

Mortgage and Lending with Van Dyk Mortgage NMLS:98535,Corp 3035

You can buy a home in the Smyrna Tennessee area with no money down

The  Tennessee Development Loan Program is designed to help home buyers outside of highly populated areas  to buy a home without having to overcome the obstacle that of Down Payment that prevent  many from the dream of home ownership

While the properties in the city limits of Smyrna do not qualify for the Rural Development Program,  you can see on  the map below, you not need to go far outside of Smyrna to find homes that are in an area that is eligible for the Rural Development loan program.  The areas that are shaded in the map below are ineligible and the unshaded area is all eligible.  

There are areas that are close enough to Smyrna to allow you be a part of community, while allowing you to take advantage of the No Down Payment home loan offered by the Tennessee Rural Development program. 

Besides the geographical restrictions, the RD program also has income restrictions based on the size of the family that will be living in the home.  For households with 1-4 persons the limit is $74,750 Per Year and for householdswith  5-8 persons the annual income limit is $98,650 Per Year

There are adjustments that can be made to your actual income to reduce annual income calculation for things like child care expenses, the number of children in school, family members that are disabled.  These adjustments can lower your income calculation and help you qualify for the program even if you make slightly more than the program limits.

Give us a call today at (865) 686-8711 and let us answer your questions and help you get Pre-Approved for the purchase of your new home.

Click Here to review all Eligible areas around Nashville

 Smyrna RD MAP

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Call Today to find out about best loan for your family.

Click the Link Below to Learn about our unique Pre Approval Process 




Specializing in Government Home Loans.  FHA, VA and  USDA Rural Development


Alabama: License # 52935

Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Hoover, Dothan, Decatur, Auburn, Gadseden, Florence, Bessemer, Madison, Prichard, Phenix City, Homewood, Vestavia Hills

Georgia: License # 36362

Albany, Atlanta, Augusta, Alpharetta, Athens, Canton,  Columbus, Dalton, Dunwoody, Johns Creek, Macon, Marietta, Roswell, Sandy Springs, Savannah, Smyrna, Valdosta, Warner Robbins

Kentucky: License # MC305583

Louisville, Lexington, Bowling Green, Owensboro, Covington, Hopkinsville, Richmond, Florence, Elizabethtown, Frankfort, Paducah, Independence, Danville

Louisiana: License # 35486

Alexandria, Baton Rouge, Bossier City, Central, Denham Springs, Hammond, Houma, Kenner, Lafayette, Lake Charles, Livingston,  Marrero, Metaire, Monroe, New Iberia, New Roads New Orleans, Prairieville, Shreveport, Slidell, Walker

Tennessee:  License # 108470

Bartlett, Bristol, Chattanooga, Clarksville, Cleveland, Collierville, Columbia, Cookeville, Crossville, Fairfield Glade, Franklin, Germantown, Goodlesttsville, Hendersonville, Jackson, Jamestown, Johnson City, Karns, Kingsport, Knoxville, Memphis, Morristown, Murfreesboro, Nashville, Oakridge, Smyrna, Spring City


Abilene, Amarillo, Arlington, Austin, Beaumont, Brownsville, Carrollton, Cypress, Dallas, Denton,  El Paso,  Ft. Worth, Frisco, Garland,  Grand Prairie, Houston, Irving, Killeen,  Lubbock, McAllen, McKinney, Mesquite, Midland, Pasadena, Plano, San Antonio, Tyler, Waco, Wichita Falls


We offer VA Loans,  FHA Loans, USDA Loans, and more across Alabama, Louisiana, Texas and Tennessee


Bill McDonald NMLS # 95835

VanDyk Mortgage NMLS # 3035


Bill McDonald-VanDyk Mortgage

705 Gate Ln Suite 202 104

Knoxville, TN 37909

(865) 686-8711

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VA, USDA, FHA Government Loans - (865) 686-8711
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