USDA Loans

The USDA Rural Development loan is one of the last remaining 100% financing programs left and is the perfect way to finance your home without coming up with a down payment. These programs offer flexible, common sense underwriting guidelines, relaxed credit requirements, no PMI (private mortgage insurance), the ability to finance closing costs into the loan amount, lenient seller concessions, and rates that are comparable to, if not better than, conventional fixed rate mortgage programs.

Features include:

Property requirements:


Home Buyers & Brokers:

  620 Scores to 102%!

No Scores to 102%!

Now Lower Fees and Better Rates!


  AND 24-48Hour Underwriting!


Great service & lower Rates & Fees!


24-48 Hour Turn Times!


See Link Below for News on USDA! It is the best product in the market place on score and LTV!

USDA-RD California Lender

 Rural Communities Program

Up to 100% Financing Program

Here are the highlights:

To Check your Eligibility for this Program

Don't delay - this program may not last!  Call your loan officer today

Click here to check USDA Property Eligibility on USDA map

**** USDA Eligibility Map ****


Call for questions or email

Contact Massey Kouhssari 949.244.1880

Your National USDA-RD Lender for Today and Tomorrow!

All of this with 24-48 HOUR SERVICE and you CAN talk direct to our Underwriters!


USDA - Home Lending Guide

Check out our articles below to learn more about the USDA Lending process, who is eligible, and how the program can benefit you and your family.

California USDA Loans

What are USDA Home Loans? 

USDA stands for United States Department of Agriculture. A USDA Mortgage provides a low-cost insured home mortgage loan that suits a variety of options. A USDA mortgage is likely the best home loan option if you want to purchase a home with no down payment. If you're unsure about your credit rating, or have concerns about a down payment when you're doing a home loan comparison, USDA Rural Mortgage Loans can give you piece of mind with zero-down, super low closing costs and no monthly mortgage insurance.

What Types of Loans does USDA offer in California? 

Currently, there are two kinds of USDA Home Loans available in California for single family households:

 USDA Guaranteed Rural Housing Loans USDA Guaranteed Home Mortgage Loans are the most common type of USDA Loan in California and allow for higher income limits and 100% financing for home purchases. USDA Guaranteed Loan applicants may have an income of up to 115% of the median household income for the area. Area income limits for this program can be viewed here. All USDA Guaranteed Loans carry 30 year terms and are set at a fixed rate. 

 USDA Direct Rural Housing Loans USDA Direct Housing Loans are less common than USDA Guaranteed Loans and are only available for low and very low income households to obtain homeownership, as defined by the USDA. Very low income is defined as below 50 percent of the area median income (AMI); low income is between 50 and 80 percent of AMI; moderate income is 80 to 100 percent of AMI. Click here to see area income limits for this program.

What factors determine if I am eligible for a USDA Loan in California?

To be eligible for A USDA Rural Loan in California, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income (29% ratio). Your credit background will be fairly considered. A 620 FICO credit score is required to obtain a USDA Rural Housing Loan approval through ENG Lending. You must also have enough income to pay your housing costs plus all additional monthly debt (41% ratio). These ratios can be exceeded somewhat with compensating factors. Applicants for loans may have an income of up to 115% of the median income for the area. Maximum USDA Guaranteed Loan income limits for your area can be found at here. Maximum USDA Direct Loan income limits for your area can be found at here. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance.

What is the maximum amount that I can borrow? 

The maximum amount for an USDA home loan is determined by: 

Maximum Loan Amount: The is no set maximum loan amount allowed for USDA Rural Home Loans. Instead, your debt-to-income ratios will dictate how much home your can afford (29/41 ratios). Additionally, your total household monthly income must be within USDA allowed maximum income limits for your area. Maximum USDA Guaranteed Loan income limits for your area can be found at here.

Maximum financing: The maximum USDA Rural Development Loan amount is 102% of the appraised value of the home (100% plus the 2% USDA RD Loan guarantee fee).

How much money will I need for the down payment and closing costs?

USDA Rural Development Mortgage Loans require no down payment and they allow for the closing costs to be included in the loan amount (appraisal permitting).

What property types are allowed for USDA Rural Loan Mortgages? 

While USDA Mortgage Guidelines do require that the property be Owner Occupied (OO), they do allow you to purchase condos, planned unit developments, manufactured homes, and single family residences.

California USDA Loan Adjusted Maximum Income Limits by County

Updated 05/01/2009