Looking to buy in a rural or suburban area? Kristy Gannon at Ownity Mortgage helps eligible buyers across California access USDA home loans—featuring zero down payment, low interest rates, and flexible credit guidelines. With over 20 years of experience, Kristy is here to guide you every step of the way.
USDA Home Loans are government-backed mortgages designed to help low-to-moderate income borrowers purchase homes in eligible rural and suburban areas. These loans are backed by the U.S. Department of Agriculture and offer major advantages like zero down payment, low interest rates, and affordable mortgage insurance. Kristy Gannon at Ownity Mortgage helps California buyers determine eligibility and navigate the USDA loan process with ease.
USDA Loans are ideal for first-time buyers and households with moderate incomes who are looking to purchase in a rural or suburban area. If you’re concerned about saving for a down payment, a USDA loan could be a perfect fit. Kristy Gannon works closely with buyers across California to match them with the right programs and help them secure an affordable path to homeownership.
USDA Loans are issued by approved lenders and backed by the U.S. Department of Agriculture. They offer 100% financing, meaning no down payment is required, and feature reduced mortgage insurance premiums. As a trusted mortgage advisor, Kristy Gannon helps eligible California buyers through each step—from determining property eligibility to getting approved with confidence.
There are two primary types of USDA loans: the USDA Guaranteed Loan, which is the most common and offered through approved lenders, and the USDA Direct Loan, which is provided directly by the government for lower-income households. Kristy Gannon focuses on USDA Guaranteed Loans, offering expert support to help you take advantage of this flexible and affordable financing option.
USDA Home Loans offer several key benefits that make homeownership more accessible for eligible buyers. These include no down payment, low fixed interest rates, reduced mortgage insurance costs, and flexible credit and income guidelines. With Kristy Gannon by your side, you’ll receive expert guidance to help you take full advantage of these benefits and find a home loan that supports your long-term financial goals.
If you’re buying in a rural or suburban area and have moderate income, a USDA Home Loan could be a great fit. With zero down payment and affordable terms, it’s one of the most accessible loan options for first-time and low-to-moderate income buyers. Kristy Gannon will help you check eligibility, review your options, and move forward with confidence.
With over 20 years of mortgage experience, Kristy Gannon at Ownity Mortgage is dedicated to helping families across California find smart, affordable financing solutions. From determining USDA eligibility to navigating the application process, Kristy offers personalized support, clear communication, and a commitment to making homeownership possible—no matter where you’re starting from.
Understanding your options is key to a smooth homebuying experience. With Kristy Gannon’s expert guidance, you’ll get answers to the most common questions—so you can move forward with confidence.
A USDA loan is a government-backed mortgage designed for low- to moderate-income borrowers in eligible rural and suburban areas. It offers zero down payment, low interest rates, and reduced mortgage insurance costs, making homeownership more accessible.
USDA loans are available to buyers with low-to-moderate incomes purchasing a home in a USDA-eligible rural or suburban area. Kristy can help check your eligibility.
No! USDA loans offer 100% financing, meaning no down payment is required for qualified buyers.
USDA loans are typically limited to rural and some suburban areas. Kristy will help you determine if a specific property qualifies.
While guidelines vary, a credit score of 640 or higher is often preferred for USDA loans. Kristy can help assess your credit readiness.
No. USDA loans are available to both first-time and repeat buyers who meet the income and location requirements.
Simply reach out to Kristy Gannon for a consultation. She’ll help you check eligibility, gather documents, and guide you through the approval process.
To qualify for a USDA loan, borrowers must:
USDA loans are available in designated rural and suburban areas. Borrowers can check eligibility by using the USDA property eligibility map or consulting with a lender.
No! USDA loans offer 100% financing, meaning no down payment is required, making homeownership more affordable.
Most lenders require a minimum credit score of 640, but borrowers with lower scores may qualify with strong compensating factors, such as low debt-to-income ratios or additional cash reserves.
No. USDA loans are only available for primary residences. They cannot be used to purchase second homes, vacation properties, or investment real estate.
USDA income limits vary based on location, household size, and county median income. Generally, borrowers must earn no more than 115% of the median household income for their area.
Yes. USDA loans require:
Unlike FHA and conventional loans, USDA loans do not have specific loan limits. Instead, borrowers qualify based on income, debt-to-income ratio, and local property values.
Yes! The USDA Home Repair Loan and Grant Program provides financing for eligible homeowners to renovate or repair their properties. However, standard USDA loans are for home purchases only.
USDA loans typically take 30 to 45 days to close, depending on lender processing times and USDA approval for loan guarantees.
Yes! Homeowners with an existing USDA loan can refinance through the USDA Streamline Refinance Program, which offers reduced paperwork, lower interest rates, and faster processing.
If you don’t qualify for a USDA loan, consider:
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