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Brick Homes

USDA Loan

USDA loans offered by Vizion Mortgage enable individuals and families residing in designated areas to achieve their homeownership dreams. Through these loans, qualifying homebuyers can benefit from 100% financing, eliminating the need to contribute any funds toward the down payment on their home. This makes homeownership more accessible and affordable for eligible applicants.

Why a USDA Loan?

No Down Payment

A USDA loan provides full financing for your new home, meaning that you won't need to make a down payment. This allows you to move into your home with minimal upfront expenses.

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Low PMI

When utilizing the 100% financing feature of a USDA loan, borrowers are responsible for paying monthly private mortgage insurance (PMI). However, USDA loans offer the advantage of having the lowest PMI rates available.

Credit Flexibility

The USDA loan offers flexibility for credit scores and history, accepting alternative documents such as subscriptions, rent payments, and monthly bills to establish creditworthiness. This benefits individuals with limited or non-traditional credit histories seeking a USDA loan.

Flexible Income Limits

The USDA loan is an ideal option for homebuyers with incomes up to 115% of the median income in their area. It specifically caters to low to middle income families or individuals, making it a highly suitable choice for those in that income range.

Steps to a USDA Loan:

01  Get Pre-Approved.

Our online application can help you receive your pre-approval letter quickly. Plus, you can upload all required documents straight into the app to save you time and energy.
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Equal Housing Lender. NMLS# 2457732 We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

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If you have a complaint, you can contact CFPB at consumerfinance.gov/complaint

Address: 3032 Alvey Park Drive Ste 600
Owensboro Ky 42303

©2023 by Vizion Mortgage LLC.

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