How To Obtain  USDA NO DOWN-PAYMENT  Government loans for Owner Occupied Primary Residences   

How To Obtain  USDA NO DOWN-PAYMENT  Government loans for Owner Occupied Primary Residences   

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A USDA Home Loan is a Zero Down Payment Mortgage for Eligible Rural and Suburban Homebuyers

A USDA Home Loan is a Zero Down Payment Mortgage for Eligible Rural and Suburban Homebuyers

        No Down-Payment Single Family Housing Direct Home Loans

        No Down-Payment Single Family Housing Direct Home Loans

        Single Family Housing Home Loan Guarantees ( by income eligibility)

        Single Family Housing Home Loan Guarantees ( by income eligibility)

        Low-Interest Fixed Rate

        Low-Interest Fixed Rate

        Apply for a Rural Housing Loan 

        Apply for a Rural Housing Loan 

Questions & Answers 

Questions & Answers 

Your next Real Estate transaction will most likely always be about the bottom line. 

You are hiring  a professional real estate agent's knowledge of the local market , their access to all home listings and sales data analysis to keep you from paying more that what the house is worth.

When it comes to working with the Government and USDA LOANS, you need an experienced professional to guide you through the process while protecting your best interest at all times...

Your next Real Estate transaction will most likely always be about the bottom line. 

You are hiring  a professional real estate agent's knowledge of the local market , their access to all home listings and sales data analysis to keep you from paying more that what the house is worth.

When it comes to working with the Government and USDA LOANS, you need an experienced professional to guide you through the process while protecting your best interest at all times...

SIMILAR TO FHA LOANS.....without the down payment!

SIMILAR TO FHA LOANS.....without the down payment!

100 Percent Financing and Less Stringent Credit Qualifications for Primary Residences

100 Percent Financing and Less Stringent Credit Qualifications for Primary Residences

A Minimum 640 FICO Score is Required  ( Some Credit Repair Assistance Provided) 

A Minimum 640 FICO Score is Required  ( Some Credit Repair Assistance Provided) 

All USDA Loans Are Based in Part on Location 

All USDA Loans Are Based in Part on Location 

Find Out If You Are Eligible For a USDA Loan PLUS 

Get Access to Updated List Of USDA ELIGIBLE Listings 

Find Out If You Are Eligible For a USDA Loan PLUS 

Get Access to Updated List Of USDA ELIGIBLE Listings 

Are You Eligible? 

Are You Eligible? 

Are You a US Citizen?  or Have Permanent Residence Status?  

Are You a US Citizen?  or Have Permanent Residence Status?  

100% Eligible USDA Homes in: 

100% Eligible USDA Homes in: 

Find Hundreds Of Available Homes NOW!  --  SAMPLE AREAS FOR AVAILABLE HOMES

Find Hundreds Of Available Homes NOW!  --  SAMPLE AREAS FOR AVAILABLE HOMES

Pontotoc County 

Pontotoc County 

Lauderdale County 

Lauderdale County 

Leflore County

Leflore County

Leake County

Leake County

Quitman County

Quitman County

Winston County

Winston County

Kemper County

Kemper County

When you are renting a home, you are basically giving your freedom away to the landlord. They make the rules and decisions of your living space. They control your payment, the timing and your privacy. While being a homeowner gives you the right to live like you always wanted... under your own rules and under your control. 

When you are renting a home, you are basically giving your freedom away to the landlord. They make the rules and decisions of your living space. They control your payment, the timing and your privacy. While being a homeowner gives you the right to live like you always wanted... under your own rules and under your control. 

What are the basic guidelines for USDA loans? 

What are the basic guidelines for USDA loans? 

The Importance in Having a Real Estate Professional Real Estate Agent On Your Side When Applying For a USDA Loan

The Importance in Having a Real Estate Professional Real Estate Agent On Your Side When Applying For a USDA Loan

www.ReallyNiceHomes.com and  Herboso & Associates  llc are not affiliated with or endorsed by the U.S. Dept. of Agriculture or any Government Agency.

www.ReallyNiceHomes.com and  Herboso & Associates  llc are not affiliated with or endorsed by the U.S. Dept. of Agriculture or any Government Agency.

Expertise to Protect Your Family  

Expertise to Protect Your Family  

No Obligation Request For Mississippi Residents  

No Obligation Request For Mississippi Residents  

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USDA does not 'approve' homes. Rather, the property in question must be eligible for USDA financing. To be eligible for USDA financing, homes must be located in 'rural' areas. By definition, the usually means an area with less dense  population ( However, there are exceptions to the rule).

USDA does not 'approve' homes. Rather, the property in question must be eligible for USDA financing. To be eligible for USDA financing, homes must be located in 'rural' areas. By definition, the usually means an area with less dense  population ( However, there are exceptions to the rule).

How can I get a list of eligible USDA homes? 

How can I get a list of eligible USDA homes? 

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There are two types of properties. Homes that were foreclosed upon the USDA rural development department  and, properties that are located inside an eligible area  that are approved for financing. Please fill in the form on this site to obtain the latest list of homes in the areas of your choice.

There are two types of properties. Homes that were foreclosed upon the USDA rural development department  and, properties that are located inside an eligible area  that are approved for financing. Please fill in the form on this site to obtain the latest list of homes in the areas of your choice.

How many types of USDA Loans are there? 

How many types of USDA Loans are there? 

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There are two types of USDA loans: Direct housing loans designed to help low and very low income individuals buy a home...and Guaranteed loans designed for moderate-income buyers to buy a home. The loans don't require a down payment, but borrowers must have an adequate credit history and the resources to repay the loan. 

There are two types of USDA loans: Direct housing loans designed to help low and very low income individuals buy a home...and Guaranteed loans designed for moderate-income buyers to buy a home. The loans don't require a down payment, but borrowers must have an adequate credit history and the resources to repay the loan. 

Where can I get more information about the programs and services that the USDA provides? 

Where can I get more information about the programs and services that the USDA provides? 

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To see all the programs that USDA covers, just go to United States Department of Agriculture Rural Development.  

To see all the programs that USDA covers, just go to United States Department of Agriculture Rural Development.  

What is a USDA Loan? and Who Qualifies?  

What is a USDA Loan? and Who Qualifies?  

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USDA is a Government Program that guarantees  to fund home loans  for - only owner-occupied primary residences. 

Other eligibility requirements include: U.S. citizenship (or permanent residency) 

USDA is a Government Program that guarantees  to fund home loans  for - only owner-occupied primary residences. 

Other eligibility requirements include: U.S. citizenship (or permanent residency) 

What is The Income Limit for a USDA Loan?  

What is The Income Limit for a USDA Loan?  

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For a majority of U.S. counties, USDA loan income limits are in general around $80,000 for 1 – 4 household members and over $100,000 for 5 or more.  Exact income limitations will vary from location to location.

For a majority of U.S. counties, USDA loan income limits are in general around $80,000 for 1 – 4 household members and over $100,000 for 5 or more.  Exact income limitations will vary from location to location.

What Credit Score is Required for a USDA Loan?  

What Credit Score is Required for a USDA Loan?  

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The minimum required credit score for applicants is at least 640

The minimum required credit score for applicants is at least 640

How Do I Qualify for a USDA Loan?  

How Do I Qualify for a USDA Loan?  

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To qualify for a direct USDA loan, your adjusted income must fall at or below what the USDA considers “low income” in the area you want to live in. Each area is different. Please fill the form in this website to get more specific information about the exacta areas you are interested in.

To qualify for a direct USDA loan, your adjusted income must fall at or below what the USDA considers “low income” in the area you want to live in. Each area is different. Please fill the form in this website to get more specific information about the exacta areas you are interested in.

INFORMATION & LISTINGS FOR USDA LOANS IN: 

INFORMATION & LISTINGS FOR USDA LOANS IN: 

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AL Alabama -  AK Alaska   AZ Arizona   AR Arkansas   CA California   CO Colorado    CT Connecticut   DE Delaware   FL Florida   

GA Georgia   HI Hawaii   ID Idaho   IL Illinois   IN Indiana   IA Iowa   KS Kansas   KY Kentucky   LA Louisiana   ME Maine   MD Maryland

MA Massachusetts   MI Michigan   MN Minnesota   MS Mississippi   MO Missouri   MT Montana   NE Nebraska   NV Nevada   

NH New Hampshire   NJ New Jersey   NM New Mexico    NY New York    NC North Carolina    ND North Dakota   OH Ohio   OK Oklahoma

OR Oregon   PA Pennsylvania   RI Rhode Island   SC South Carolina   SD South Dakota   TN Tennessee   TX Texas   UT Utah   VT Vermont

VA Virginia   WA Washington    DC Washington DC    WV West Virginia    WI Wisconsin    WY Wyoming

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AL Alabama -  AK Alaska   AZ Arizona   AR Arkansas   CA California   CO Colorado    CT Connecticut   DE Delaware   FL Florida   

GA Georgia   HI Hawaii   ID Idaho   IL Illinois   IN Indiana   IA Iowa   KS Kansas   KY Kentucky   LA Louisiana   ME Maine   MD Maryland

MA Massachusetts   MI Michigan   MN Minnesota   MS Mississippi   MO Missouri   MT Montana   NE Nebraska   NV Nevada   

NH New Hampshire   NJ New Jersey   NM New Mexico    NY New York    NC North Carolina    ND North Dakota   OH Ohio   OK Oklahoma

OR Oregon   PA Pennsylvania   RI Rhode Island   SC South Carolina   SD South Dakota   TN Tennessee   TX Texas   UT Utah   VT Vermont

VA Virginia   WA Washington    DC Washington DC    WV West Virginia    WI Wisconsin    WY Wyoming

Reasons Why The Government Wants You To Become a Homeowner:

Reasons Why The Government Wants You To Become a Homeowner:

#1 FREEDOM

#1 FREEDOM

#2 FINANCIAL STABILITY 

#2 FINANCIAL STABILITY 

#3 FORCED SAVINGS

#3 FORCED SAVINGS

Owning a home can also be a tremendous boost to your financial future. Us housing prices are rising at twice the speed of inflation and pay.  According to an article published on CNBC https://www.cnbc.com/2018/06/06/us-house-prices-are-going-to-rise-at-twice-the-speed-of-inflation-and-pay-reuters-poll.html

Owning a home can also be a tremendous boost to your financial future. Us housing prices are rising at twice the speed of inflation and pay.  According to an article published on CNBC https://www.cnbc.com/2018/06/06/us-house-prices-are-going-to-rise-at-twice-the-speed-of-inflation-and-pay-reuters-poll.html

Regardless whether you rent or buy, you are always faced with housing costs every single month. While your rent payments vanish into thin air, house payments build a type savings for your own future ... in the form of an equity build-up. 

Regardless whether you rent or buy, you are always faced with housing costs every single month. While your rent payments vanish into thin air, house payments build a type savings for your own future ... in the form of an equity build-up. 

#4 TAX BREAKS

#4 TAX BREAKS

Homeowners get to deduct the interest paid on their mortgage, property taxes and even some of the costs associated with buying their home. As an added benefit, when they decide to sell their home,  they may be able to keep your profits TAX FREE! ($250,000 if you’re single and $500,000 if you’re married)  without paying any capital gains taxes! 

Homeowners get to deduct the interest paid on their mortgage, property taxes and even some of the costs associated with buying their home. As an added benefit, when they decide to sell their home,  they may be able to keep your profits TAX FREE! ($250,000 if you’re single and $500,000 if you’re married)  without paying any capital gains taxes! 

#4 RETIREMENT

#4 RETIREMENT

Most people would be better off not having mortgages in retirement. Financial planners always recommend to pay off your home just before retirement if you have the financial assets to do so. 

Most people would be better off not having mortgages in retirement. Financial planners always recommend to pay off your home just before retirement if you have the financial assets to do so. 

To Give You Consultation  & Guidance

To Give You Consultation  & Guidance

While Exceeding Your Expectations

While Exceeding Your Expectations

For MISSISSIPPI Residents: 

For MISSISSIPPI Residents: 

Billions Of Dollars Available  

Billions Of Dollars Available