Underwater Home Refinance

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USDA Rural Loans


  • Loan up to 102% of appraised value.

    • Wrap closing costs in when appraisal exceed contract (loan not limited to contract)

  • No mortgage insurance.

  • No credit explanations when credit score is 620 or above.

  • No minimum credit score.

  • No reserves required.

  • No cash contribution required from borrower.

  • Unrestricted gifts, no need to document source.

  • No max loan amount.

  • Repayment Ratios are 29/41.  Liberal ratio waivers with documented compensating factors.

    • 31/43 for homes built post January 1, 2001.

  • No limit on total debt to value ratio (CLTV)

  • Non-traditional credit may substitute for lack of traditional credit history.

  • Not limited to first-time home buyers.

  • Very competitive rates (set by underwriting lenders).





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