can i go zero down with a usda loan if my credit is 635?

You bet, we can go down to a 620 score, and rates are great right now! We are seeing high 3's on the USDA product. It really is a great option, one of the best available right now. Thanks-Dave CapraRed Rock Home Loansdave@redrockhomeloans.com435-986-2220

620 is the minimum. Make sure you do not own any other real estate property, get pre-qualified with a lender, and start looking for a property in an eligible area. Here is the link to the USDA map: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11I can help you start an application, or answer any other questions you have. USDA loans are really good loans. dana@utloanofficer.com

Yes you can!

You sure can. We do USDA down to 620. There are also some additional zero-down programs available and some areas have grants you can use as down payment with other loan programs. Give me a call at 801-971-7916 to discuss your options. Thanks, Cory

In theory, yes... In practice, maybe... USDA sets a minimum credit score requirement, and the actual lender can have a different credit score requirement. Most USDA lenders have a 640 minimum score, but a lot of them will also go to a 620. USDA does have more stringent rules for lower scores, so just because you meet a score requirements, does not mean you meet all requirements. Just apply with a local mortgage broker... In MN, WI, and SD, visit www.JoeMetzler.com/usda for all your USDA mortgage needs.

I can go down to a 580 on USDA loans. As long as the property meets the criteria and you meet the other guidelines, I should be able to assist you. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803