Rural Housing Program

The United States Department of Agriculture has created a Rural Housing Loan Program that offers 100% Financing and is designed for borrowers to finance properties located in rural areas.  Rural is defined as any town of 25,000 or less that is not adjacent to a large city or that is not part of a continuous urban area.  Important keys to note are as follows:
 

• This Program is not limited to just First Time Home Buyers.     
  
• Owner Occupied residences only.  
  
• Cannot own any additional properties.
  
• No Principal Mortgage Insurance (PMI)
  
• Minimum FICO Score of 620 required
  
• Income and geographical restrictions will apply 
  
• No assets and or reserves required
  
• Homebuyer Education is required for First Time Home Buyers

Acceptable geographical locations within San Joaquin and Stanislaus Counties are listed below.  Please contact me for additional county information and to determine the Income Requirement/Restrictions.  

San Joaquin County                    Stanislaus County

          Escalon                                      Knights Ferry
       Farmington                                       Newman
          Lathrop                                          Oakdale
           Linden                                          Patterson
        Lockeford                                        Riverbank
            Ripon                                             Salida
         Thornton                                        Waterford

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