Buyers interested in purchasing a home with USDA mortgage financing commonly ask where they can find a list of USDA approved homes, or approved USDA home locations. This often causes confusion because many buyers assume the USDA Rural Housing program is only through certain home sellers, realtors, etc. In short, the USDA Rural Housing loan can be used for any single family home, condo, townhome that is located in a USDA eligible location - that's it. The property being purchased just has to be located in a "rural defined" location according the USDA map here.
The home seller can be anyone - private seller, bank REO, short sale, foreclosure. Buyers just need to remember to input and check the home address to be sure it shows "eligible" on the property eligibility map link above. In addition, the home must meet all standard HUD requirements regarding condition and livability. Basically any move in condition home should be just fine - rebuild/rehab type homes will not be approved. Other government loan programs like FHA and VA follow these same HUD requirements in respect to the property condition.
In addition to the USDA approved location requirement, USDA has other requirements in regards to household income, credit etc. Buyers can read all the latest USDA FAQ's here. Homebuyers that have questions should reach out to us by calling (904) 302-6060 - or visits www.UsdaMortgageSource.com for more information.
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