USDA Loan Option

USDA Loans

The inability to qualify for a conventional mortgage product doesn't mean you can't make your dream of owning a home come true. Federally backed programs such as USDA loans can provide many buyers with a practical and affordable alternative. Johns Creek Mortgage, LLC helps eligible borrowers explore USDA financing options that may support homeownership in qualifying rural and suburban areas. Our professional loan consultants will provide excellent service throughout the process.

The USDA Home Loan Requirements Include:

  • Location: The property must be located in an eligible rural area as determined by the Rural Development Program.
  • Income: Applicants must meet applicable income eligibility requirements, which vary by program and geographic area.
  • Seller contributions: Seller contributions toward closing costs may be permitted subject to program guidelines and lender requirements.
  • Owner-occupied single-family properties only: The home must be the buyer's primary residence. Duplexes, vacation homes and properties purchased for investment purposes are not eligible.
  • Affordability: Borrowers must demonstrate the ability to repay the loan. Qualification requirements vary by lender, program and borrower circumstances.
  • Credit qualifications: Borrowers must have an acceptable credit history. Credit qualification requirements vary by lender, loan program and borrower circumstances.

What Are the Benefits of USDA Loans?

USDA loans offer many advantages for prospective borrowers:

  • Flexible financing options may be available for eligible USDA borrowers.
  • Financing options are available through participating lenders, subject to program eligibility requirements.
  • USDA loans generally do not include prepayment penalties, subject to program requirements.
  • Seller contributions toward closing costs may be permitted subject to program guidelines and lender requirements.
  • Mortgage insurance requirements may apply depending on the loan program and borrower qualifications. 
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Important Notice:

Johns Creek Mortgage, LLC is a licensed mortgage broker. We arrange but do not make loans. All loan programs are subject to borrower qualification, lender approval and program guidelines. Loan terms, conditions and availability are subject to change without notice.


Need more information? Call us at 678-632-0080 to speak with one of our experts.