USDA Loans

Discover Affordable Rural Living with USDA Loans

Offering the best USDA loan rates, we outmatch big players like Quicken, Better Mortgage, and more.

600

Minimum Credit Score

41%

Maximum Debt To Income

100%

Maximum Loan To Value

Varies

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Lightning Loans by Innovative Mortgage is delighted to offer USDA Home Loans for residential buyers aiming to purchase a primary residence in eligible rural and suburban areas. The USDA Home Loan program is a fantastic option for those seeking affordable homeownership with the benefits of no down payment and favorable loan terms.

USDA Home Loans with Innovative Mortgage:

No Down Payment Required: One of the most significant advantages of a USDA Home Loan is that eligible buyers can finance up to 100% of the home’s purchase price, eliminating the need for a down payment.
Competitive Interest Rates: Typically, USDA Home Loans come with lower interest rates compared to conventional loans, helping to keep monthly mortgage payments affordable.
Flexible Credit Requirements: While credit score requirements can vary, Innovative Mortgage facilitates USDA Home Loans for buyers with different credit profiles, recognizing the importance of homeownership in building strong communities.
Loan Term: USDA Home Loans are offered as 30-year fixed-rate mortgages, providing stability and predictability in mortgage payments over the life of the loan.
Geographic Eligibility: To qualify for a USDA Home Loan, the property must be located in an eligible rural or suburban area as defined by the USDA. This often encompasses more areas than buyers might expect, including many suburban neighborhoods.
Income Limits: There are income limits for USDA Home Loans, which vary by region and are designed to ensure that the program serves households that truly need financial assistance to become homeowners.
Mortgage Insurance Savings: Although USDA Home Loans require mortgage insurance, the upfront and monthly costs are typically lower than those associated with conventional or FHA loans.

Why Choose Innovative Mortgage for Your USDA Home Loan:

Homeownership Accessibility: Our goal is to make homeownership accessible and affordable, especially for first-time and low- to moderate-income homebuyers.
Expert Guidance: Innovative Mortgage’s experts are well-versed in USDA Home Loan eligibility requirements and process, ready to guide you through every step to ensure a smooth and successful home buying experience.
Personalized Service: We take the time to understand your particular situation and tailor the loan process to fit your unique financial and homeownership goals.

Begin Your Path to Homeownership:

USDA Home Loans can open the door to homeownership with favorable terms that might otherwise be out of reach. If you’re dreaming of a home in a rural or suburban area and meet the USDA Home Loan program’s eligibility criteria, Innovative Mortgage can help turn that dream into a reality.

Reach out to Innovative Mortgage today to discuss your eligibility for a USDA Home Loan and start the journey to securing your primary residence in a beautiful rural or suburban setting. Our team is eager to assist you with dedicated support and personalized guidance.

Pros of USDA Loans

Zero Down Payment

USDA loans require no down payment, making homeownership more accessible.

Lower Interest Rates

USDA loans typically have lower interest rates compared to conventional loans.

Competitive Rates

We offer USDA loans with competitive rates and fees compared to big mortgage companies.

Cons of USDA Loans

Income Limitations

USDA loans are only available to those who meet specific income requirements.

Geographic Restrictions

USDA loans are limited to eligible rural and suburban areas as defined by the USDA.

Key Issues That Will Get Early Attention

Confirm Eligibility

We will assist you in determining your eligibility for a USDA loan based on income and location.

Review Loan Amounts

We'll review the USDA loan limits and your qualification amount to ensure this is the right option for you.

Discuss Income Limitations

We'll explain the income requirements for USDA loans and assess whether your income falls within these limits.

Evaluate Location Eligibility

If you're unsure whether your desired property is in an eligible area, we'll help you determine if a USDA loan is the right fit.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.