USDA Tip...

Mortgage and Lending with Berkshire Lending, LLC

small-brett-pic6Here’s a USDA tip for you…

First, you should know that USDA family income caps. 

…In other words if you make too much money you won’t qualify for a USDA loan. 

Here is the link to check the income for your area…
Important: USDA goes by total household income!
In other words if you are getting a USDA loan with you as the only borrower, but you have a live in boyfriend/girlfriend that also lives in the house.
…and, that boyfriend/girlfriend has a job and makes money – then their money would also be included in the total household income calculation for USDA.
So, please be aware of this before you apply for a USDA loan.


I hope you have a great day! Thanks for reading!


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Comments (2)

Christopher Pagli
William Raveis Legends Realty Group - Tarrytown, NY
"I Stay Open Until You Close"

I'm new to USDA loans and this is great information to have when I conduct my initial buyer consultations.  Thanks!



Mar 13, 2016 10:01 PM
Certified Mobile Notary Signing Agent - Smith Mountain Lake, VA
Highest Ranked Certified Mobile Notary in Virginia

This is why buyers need to discuss mortgage loan options with a professional LICENSED Mortgage Loan Originator like Brett Sampson in Texas or ME in the state of Virginia !

Mar 20, 2016 05:40 AM