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Key Benefits


Benefits of a USDA Rural Development Mortgage

·         No Down Payment Required. Borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.

·         Competitive 30 Year Fixed Interest Rates

·         No maximum purchase price


Why you should choose ChangeMyRate.com

·         Only ChangeMyRate.com offers you the Closing Cost Slashera unique method we use to virtually eliminate closing costsFind out how these great options can help guide you to the best decision to meet your financial goals.

·         With more than 27 years of experience, we’ve designed a mortgage process that adapts to your needs.

·         As an approved USDA broker, ChangeMyRate.com will guide you through the process with minimal fuss.


Other loans you might be interested in:

·         30-year fixed-rate mortgage

·        15-year fixed-rate mortgage

·         FHA Loans

·         VA loan


How It Works


USDA loan qualification requirements

·         Flexible Credit Guidelines

·         100% Financing of your primary home’s value

·         Eligible Properties 1 unit


How a USDA loan works

·         The subject property must be a primary resident

·         The buyer must meet a qualifying ratio of 29 percent for housing costs; and 41 percent for total debt

·         The buyer may not own another home within commuting distance of the subject property

·         Borrower(s) are not eligible to receive cash out from a refinance


USDA loan extras

·         Streamline-The loan amount cannot exceed the principal balance of the existing loan refinanced plus the loan guarantee fee

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