HomePad Lending NMLS #1857677 | 480-536-7770

USDA Mortgage Loans

This is one of the most popular mortgage products in the U.S. USDA Loans offer $0 money down, lenient eligibility requirements and competitive interest rates.

USDA Mortgages are the only mainstream zero money down program available to borrowers that have not served in the military. Eligible borrowers would be hard pressed to find a loan program with better terms.

Program Requirements:

-620+ Credit Score Required

-Must Meet Income Requirements

-Property Must Be Located In An Approved Area

Frequently Asked Questions


  • Do only first-time homebuyers qualify for the USDA home loan?

    • No, there are no restrictions on previous homeownership.

  • Can I qualify for a USDA loan after a bankruptcy?

    • Yes, the USDA loan program requires the bankruptcy to be discharged for at least 3 years. The type of bankruptcy filed can impact the qualifying process as well.
  • What is the maximum amount I can borrow?

    • The USDA Loan Program does not have set loan limits.
  • Can closing costs be financed into a USDA loan?

    • Yes! The USDA home loan allows the ability to finance closing costs up to the appraised value.


Check Your Eligibility For a USDA Mortgage


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See What Our Clients Are Saying…

“Ryan, Rimington, and the team were a pleasure to work with. This was our first home, and after having such a bad experience with the preferred lender, a co worker referred us to them, and the process became so much easier. They were constantly checking in with us and giving us updates so we felt confident with the entire process, even when things got stressful toward the end. They were a constant advocate and fun to talk to and work with. I would recommend them to anyone :)”
Krichia C.

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If you are on the fence about using Homepad Lending like I was initially i can tell you without hesitation you absolutely should! This was by far the easiest, quickest and less stress refi experience I have ever had from beginning to end!
Ryan was so helpful and answered all my questions quickly. Rimi was great and kept in touch every step of the way! Keep up the good work guys!
Mark P.

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“I just wrapped up my refinance with HomePad Lending. Ryan Harris and his brother Rimington, were outstanding. We had an initial issue with debt to income ratios but Ryan found another lender that was willing to work with us. I couldn’t be more happier. I ended up with an additional $375 per month in my pocket thanks to Ryan’s persistence. I highly recommend HomePad Lending for all your financing needs. Thank you Ryan and Rimington!!!!”
David L.

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“Rimington did a great job on processing our refinance. We got a great rate and closing costs were minimal. They closed the loan in less than thirty days and everything went smooth. I would use them again in the future!”
Mark W.

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The Product/Program information contained here is educational only and not a commitment to Lend all Loans have to be reviewed By a licensed underwriter, Rates and available loan programs are subject to change without notice.

This is not a commitment to lend. All loans subject to credit approval. Guidelines subject to change without prior notice. This information is provided to assist business professionals only and is not an advertisement extended to the consumer as defined by Section 226.2 Regulation Z.-EOE. Equal Housing Lender.

HomePad Lending | NMLS 1857677 | AZ #1001528 | CA 60DBO-119169 | Florida MBR3950 | Idaho MBL-2081857677 | Maryland 1857677 | Oregon 1857677
3233 E Chandler Blvd, Ste 9, Phoenix, AZ 85048. Main: 480-536-7770

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Contact your loan officer for more information.