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USDA Loans

USDA loans are loans issued by the government specifically for those in rural areas, small communities, and some areas just outside major metropolitan areas. With a USDA loan, the family can borrow up to 100% of the home's appraisal, meaning no down payment is needed. The loan is set for a 30-year fixed rate home loan, and requires no mortgage insurance. A USDA loan is a great way for borrowers in rural areas or smaller towns to buy a house.

Call the Jay Dacey Team at 651-315-7681 to check your eligibility for a USDA loan.

To be eligible for a USDA loan, you must occupy the home as your primary residence and meet the income guidelines. These vary by area, total number of people in your household, and credit history. To learn the guidelines for your desired area, please contact us at 651-315-7681 or email {Site:Full Name} at!


USDA loans require zero down payment. There is an upfront fee paid to the Department of Agriculture as well as an annual fee, but there is no monthly mortgage insurance. USDA mortgages are 30-year fixed loans.

You must purchase property within an eligible area. To determine if you’re eligible, check out the interactive map on the USDA’s website or call my office at 651-315-7681.


USDA offers several refinance options, including a standard refinance and a streamline refinance. Borrowers must continue to meet the income guidelines specific to their area and family size. If you’re interested in a USDA refinance, reach out to us for more information on your area.

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