First time buyers in Virginia

Virginia First Time BuyersFirst time buyers in Virginia have some great choices for low to no down payment home financing this year. The most popular home loans for first time buyers is the Government backed programs like USDA Rural Housing, FHA and VA loans. Down below we will talk the benefits of each loan options so you can best decide what works for you.


USDA Rural Housing Mortgage:

Many locations in Virginia are still considered “rural” – don’t assume this program is only for farmers and ranchers way out in the county.  If you do choose to live in a less populated area, the 100% USDA home loan might be a great choice for you. The USDA Rural Development loan is the last remaining no down payment government insured mortgage program for Virginia civilians. The USDA mortgage program is designed to help promote homeownership less populated locations around Virginia.  Even many metropolitan areas have outlining areas that are qualified USDA eligible property locations.  Just outside of Richmond, etc still have USDA approved zones. Interested home buyers can click here to view USDA eligible zones in their location. The USDA loan program will allow home buyers to borrow up to 102.75% of the home’s appraised value. In addition, home buyers can roll in closing costs into their loan assuming their appraised value is high enough.

USDA RD Home Loan Advantages Include:

  • 100% Financing:  No money down, no down payment assistance, special grants or first time buyer class required.
  • Low monthly mortgage insurance (PMI) almost half as much as FHA loans.
  • One-time USDA guarantee fee that is included into your loan ( just like FHA, VA)
  • Owner occupied homes only (no rentals/investments or vacation homes permitted)
  • 620 min credit score required for USDA home loans.
  • No loan amount limits.
  • No cash savings requirements.
  • Up to 6% seller contribution for closing costs allowed.
  • 100% gifted closing costs allowed
  • 30 year low fixed rate loan
  • No Prepayment Penalty – move or sell anytime you choose.

To qualify for the USDA loan program, there are two main eligibility requirements that differ from the other government loan programs (FHA or VA loan program)

The Location of the house – The home must be located in a USDA eligible designated rural area. Keep in mind, the seller of the property is not important, just where the property is physically located.

Income for the family – Each county has different USDA income restrictions. The income limit is based on many different variables, please contact us to learn more about the income limits in your county.

VA Mortgage Loan For Military Buyers:

The VA mortgage is the certainly the best choice for military service members and Vets that have VA loan benefits. The greatest advantage is the VA loan is 100% financing with no monthly mortgage insurance costs (PMI) Eligible VA borrowers who meet all of the VA loan requirements can get a mortgage with very little to NO money out of pocket. This accounts for the program’s popularity among those serving in the military. Generally speaking, it is easier for borrowers to qualify for a VA loan compared to a conventional mortgage (one that is not backed or ensured by the government). VA allows for lower credit standards and more flexibility overall. According to the Department of Veterans Affairs, the “VA guarantees a portion of the loan, and this backing allows the approved lender to provide you with more favorable terms.”

Like any other mortgage program, the VA loan has certain qualification requirements and standards that must be met. Let’s talk discuss the latest VA loan requirements for 2016.

VA Loan Eligibility:

You can think of 100% VA home loan qualification as a two tier process. You must meet two sets of requirements, in order to qualify for such a loan. First, we have the basic eligibility requirements set forth by the U.S. Department of Veterans Affairs (VA). This department of the federal government manages the program and establishes the minimum requirements for VA loans in 2016.

Generally speaking, you are eligible for the program if you meet any of the following criteria listed below:  If you are a Florida home buyer and have questions, please call us 7 days week at ph: 904-302-6060 or just submit the quick “Information Request” form on the top of your screen. Mobile users will find the red icon at the top of this page.

  • You are a veteran who served 181 days during peacetime (active duty).
  • You are a veteran who served 90 days during war time (active duty).
  • You served at least 6 years in the National Guard or Reserves.
  • You are currently on active duty and have served at least 90 continuous days.
  • You were discharged from the military due to hardship.
  • You are the un-remarried spouse of a veteran who died while in service or from a “service connected disability.”

Service members who have received a dishonorable discharge are generally not eligible for the program. As you can see, the eligibility requirements for VA loans in 2016 are fairly broad in range. They are meant to include most service members who have served in the military for a certain length of time. Just remember the two step system mentioned earlier. These are the minimum requirements established by the government. But the government does not actually originate VA loans. They are originated by approved lenders, like most other types of mortgages. The government simply guarantees a portion of the amount being borrowed. So, in addition to meeting the basic eligibility guidelines above, you must also meet whatever VA loan requirements are imposed by the lender. Please read the VA lender requirements below.

Other VA Loan Requirements:

The Department of Veterans Affairs establishes clear and specific guidelines when it comes to length and type of service. But the information they offer about other VA loan requirements is somewhat vague.

For instance, the VA says “you must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan.” But they offer no specific definition of suitable credit or sufficient income. This leaves borrowers wondering exactly what is needed: What credit score is required to qualify for a VA loan? How much can I borrow based on my income? What about my other debts, are they important?

These are two of the most important factors when it comes to qualifying for a VA loan.

VA Credit scores: As mentioned earlier, the Department of Veterans Affairs does not have any specific requirements for credit scores. But you can bet the mortgage lender does, and this can vary from one lender to the next. Most lenders are looking for a credit score of 620 or higher these days.

VA Debt ratios: The VA debt-to-income ratio, or DTI, is another important VA loan requirement. This is a comparison between the amount of money you earn (gross monthly income) and the amount that goes toward your fixed monthly expenses (recurring debts). Generally speaking, your total DTI ratio — including the house payment — should not exceed 48%. This requirement is imposed by the lender, not by the VA. So it varies from one mortgage company to the next. Exceptions are often made for borrowers with excellent credit, significant savings in the bank, etc. Lender and brokers call this “strong compensating factors of the loan”  Income may come from a variety of sources including but not limited to: base military pay, non-military employment, commissions, self-employed income (min 2 year history) retirement income, spouse’s income, and alimony.

VA Mortgage Documents: When it comes to VA home loan, documentation is key. The banks and lenders will request a wide variety of documents to verify your income and assets, as well as your current debt situation. They also need to verify and document your ability to repay the loan, in keeping with new lending requirements. Documents needed for VA financing typically include the Certificate of Eligibility (COE), the Uniform Residential Loan Application (URLA), bank statements, tax returns and W-2 forms, the DD Form 214 for veterans who have left the military, and a variety of standard VA documents. If you need assistance obtaining these documents, we can help.  Just call ph: ph: 800-871-2636 –  7 days a week.

VA Occupancy: The VA also has specific requirements for occupancy status. Simply put, you must use the home as your primary residence. You cannot use this program to finance the purchase of an investment or vacation property.

VA Loan Appraisal: Just like any other home loan program, the Department of Veterans Affairs requires all homes being purchased with a VA loan to undergo a property appraisal. This is when a licensed appraiser evaluates the home to determine how much it is worth in the current market. Generally speaking, the house must be worth the amount you have agreed to pay for it, and it cannot exceed the VA loan limit for the county in which it is located. The house “must be adequate collateral for the requested loan,” according to the Department. Contact us to discuss the VA loan amount limits in your county.

Certificate of Eligibility or COE

Borrowers who wish to use a VA loan to buy a house must first obtain a Certificate of Eligibility (COE). This document is issued by the Department of Veterans Affairs. The borrower must then present the COE to the lender when applying for the loan. The COE essentially says that the individual meets the Department’s minimum eligibility requirements.

To obtain a COE, applicants must provide evidence of their eligibility. This can be done in several ways:

  • Veterans who have separated from the military can provide a DD Form 214. It must show the character of service and the reason for separation.
  • Active-duty military personnel, National Guard members, and reservists can provide a statement of service signed by the personnel office (typically) or the unit commander.
  • Discharged members of the National Guard who have never been on active service can provide NGB Form 22 or 23.
  • Discharged members of the Selected Reserve who have never been on active service can provide a copy of the latest annual retirement points statement and evidence of honorable service.
  • Call us at ph: 904-302-6060 – we can assist you.

This is a basic overview of COE documentation requirements. For more detailed information, visit the home loans section of the Department of Veterans Affairs website

3.5% Down FHA Home Loan:

This great choice for many Virginia first time due to the low 3.5% down payment. The FHA mortgage provides several benefits, keeping in mind the budget difficulties of many homeowners who are considering purchasing their first home. Compared to most traditional mortgage loans, the FHA mortgage program facilitates the process for the applicant. Besides that the FHA home loan consists of a very low down payment (3.5%) which makes it a lot easier for homeowners that may have problems saving for the large down payment necessary by more common conventional loans. What are the most important advantages to choosing an FHA loans in Virginia?

  • Secure fixed loan interest rates – One of the big advantages of your Virginia FHA loan is the benefit of having a fixed 15 or 30 year interest rate. In comparison to other regular loans in which the loan interest rates change, the rate remains the same for the total length of the loan. This timeframe is typically for 30 years. Because of this provision the consumer can budget their predetermined monthly installment ahead of time.
  • Low down payment – The Federal government insures FHA loans, therefore the borrower has very minimal charges in the process. FHA mortgages require a minimum 3.5% financial commitment from the applicant. The loan does allow for the home seller to pay for all closing costs, up to 6% which is frequently enough to take care of almost any property sale.
  • Easy to Qualify – Prequalifying for a Virginia FHA home loan is rather straightforward. Because it’s the FHA that insures your home loan, the creditors and lending institutions make it feasible for anybody to qualify when they meet the base requirements. The primary components of qualifying are history of credit, earnings and employment history.
  • Adjustable Rate Option – The FHA mortgage loan started due to the stretched budget constraints of first time buyers. That’s the reason the FHA features an adjustable rate option for home buyers, which calls for a relatively low payment and interest rate.
  • NO cash reserves required – In contrast to most conventional home loan programs, Virginia’s FHA home loan is a very tempting option for first-time home owners which have a little revenue saved.
  • Virginia first time buyers should find out what to expect before starting the FHA mortgage loan application process. Being prepared will always boost your opportunities in successfully getting your loan mortgage approved. Here we list a few steps and some things to consider.

Before FHA Loan Application:

  • Debt-to-income ratio: Careful study needs to be done at this point. Mortgage lenders differ on precise amounts, but a financial debt load that is greater than 41 to 48% is high risk for an FHA loan. You will need 2 years of continual employment with no unexplained breaks in job history.
  • Credit History: It is generally the small issues which may damage your consumer credit. Check your income source, credit worthiness, together with rent history which may show up on a credit score. Get everything taken care of and work towards a spotless record.
  • Credit ratings: In 2016, a FICO score of 620 or better is required for the FHA loan for most lenders and banks. If you have had a bankruptcy or foreclosure, you will have to have maintained a perfect credit score since then (4 years and 5 years respectively) regardless of recent credit worthiness.

FHA Loan Application:

  • Fill out the “Request Information” form at the top of this page and let us know what you need. It will allow the FHA mortgage professional to call you to discuss your primary goal. Subsequently a full mortgage application will need to be completed that details everything about you, the borrower, which is used for determining whether you are qualified for a mortgage loan or otherwise. The interest rate and terms of the loan will also be identified largely by the data in your loan application form, credit scores, etc.
  • In the event the application is pre-approved, you will get the disclosure records that are essentially initial loan documents which have all the details in connection with terms and conditions, loan rates, cost and mortgage payments of the loan.
  • This has to be agreed upon and returned along with documents such as your bank account statements, IDs, personal references, etc., for validation purposes. Usually these documents are prepped and readied before the loan application is submitted to the mortgage underwriter.
  • The processor double checks all validating papers and may request absent documentation from the borrower if needed.
  • When completed, the documents are sent to the underwriter.
  • The underwriter will be sending a “conditions list” of any missing documents to the purchaser.
  • After the buyer completes the requested items on the list, it is returned to the mortgage lender for final authorization. A closing date is then scheduled.
  • Notice: When you are in contract on a residence, the entire loan closing process takes roughly three weeks to a month.

FHA also offers the HUD $100 down program for select Virginia HUD owned properties only. Buyers interested in purchasing a HUD owned home can read about the HUD $100 down program here.

We serve First time buyers in Virginia and throughout the U.S.  Borrowers that have questions can call us, or submit the short information request form on this page for quick service.

Virginia Beach, Richmond, Roanoke, Centreville, Norfolk, Newport News, Portsmouth, Dale City, Chesapeake, Alexandria, Suffolk, Reston, Arlington, Hampton, Lynchburg, Harrisonburg

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Florida Jumbo Loan Requirements

Florida Jumbo LoanFlorida Jumbo Loan Requirements: For those Florida home buyers seeking higher loan amounts (over $417,000) a Jumbo mortgage may be the right answer. Jumbo loan guidelines have continued to relax over the last few years. As home values continue to rise, mortgage companies are experimenting with loosening up lending standards on jumbo loans as a way to increase their volume. In fact, some lenders are now offering up to 95% Jumbo loan financing in Florida. In most parts locations, jumbo loans are those that are $417,000 and higher; in some of the most expensive high costs markets, jumbo loans are $625,500 or more.

Most of the Jumbo loans today will require full documentation. This means being able to properly document all income, assets among other things. Fixed and 3,5,7,10 year adjustable rate terms are still available with Jumbo loans in 2016. Many jumbo loan options today do not require monthly PMI to be paid. There are also financing options for vacation homes, 2nd homes, and investment property purchases. However, anything that is NOT a primary home may be require a little more down payment. 95% Jumbo financing is only available on owner occupied homes. In addition, loan amount greater than $1 million may also require a larger down payment.  See the latest requirements and 2016 Jumbo loan guidelines here.

Most of the higher LTV (90%, 95%)  Jumbo loans today will be require a a 680 credit score to be considered for financing.

Some self employed Jumbo applicants may have trouble documenting income, etc. For those borrowers a non-conventional loan may be better suited. Most of the non-conventional loan program today allow for reduced documentation, flexible fixed rate and ARM terms. Like above, they allow for the purchase of second homes and investment homes. These are the highest risk loan due to the higher loan amounts and reduced documentation. As a result, borrowers can expect to pay a slightly higher down payment and interest rate.

Home owners that already have a Jumbo loan and want to refinance via “rate/term” or “cash out” please contact us to discuss the latest requirements. We offer Jumbo refinance options for primary, secondary and investment properties

Five Stars specializes in Jumbo loan across Florida:  Miami Dade, Tampa, Jacksonville, West Palm Beach, Naples, Sarasota, Daytona, St. Petersbug, please contact them at ph: 800-871-2636 anytime with questions.

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February 2016 USDA Interest Rates, Closing Times

Febuary 2015 USDA Mortgage InterestFebruary 2016 USDA Interest Rates, Closing Times:  February USDA Rural Housing loan rates are starting off the month pretty low, we are actually seeing rates start to flirt with low levels of a few months ago.  As of February 2016, current USDA 30 year fixed rates are starting off the year much lower versus a year ago.  USDA 30 year interest rates are currently in the mid to high 3 percent range with 0 discount points by most lenders and mortgage companies as we being February.

USDA home financing and borrowing costs can’t get much lower for first time buyers, they have a great opportunity right now. Be sure to look into owning a home with USDA financing before signing another lease this year  –  says Laura Summers , USDA mortgage specialist. 

Also remember if you are an existing homeowner that already has a USDA RD home loan, you still have options to refinance your loan into a lower rate and possibly save hundreds each month.  The USDA Pilot refinance program allows homeowners (in select states) that currently have USDA mortgages to refinance into a lower interest rates, the best part is you can do so regardless of how “upside down” or “underwater” your home value is.  You don’t need any equity in your home. This program is designed for the homeowners that were hit the hardest in the housing market decline.  Additionally,  USDA streamlined paperwork and no new appraisal or home inspection is necessary,   You can read all about the USDA Pilot refinance requirements here.

As for closing times for February 2016 – USDA Rural Development is currently taking about 35-40 days to close.  The local Florida USDA office is currently taking about 5 business days just on their end of things from the time of lender / broker loan submission. Homebuyers that have questions about a specific loan already in process will need to contact their mortgage company or lender directly for timelines.

USDA Mortgage Source is a national leader in USDA Rural Housing loans, serving you Monday – Sunday, 9am – 8pm.  If you have questions about a new USDA loan pre approval, rates or maybe a refinance –  please contact us by submitting the short Info Request Form on the right side of this page Mobile users can find the Info Request Form at the top this page.  We are available to serve you  7 days a week at  ph: 904-302-6060

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Lee-Collier County First Time Buyer Program

Naples First Time Home BuyerFirst time home buyers around Lee-Collier County can still purchase a home with 100% financing thanks to the USDA 502 Guaranteed program. The USDA 502 loan is government backed program offered by the department of Rural Housing and has many advantages for first time buyers around Naples, Fort Myers, Cape Coral, etc. Many locations in south west Florida are still eligible for this no money down mortgage program in 2016.  In fact ALL of Collier County is currently eligible, and most of eastern Lee County. The USDA loan has many advantages for buyers that have limited cash saved up for down payment.  Let’s take a look at some benefits of USDA financing below. If you have questions, please reach out to us by calling ph: 904-302-6060

USDA RD loan advantages for Naples first time home buyers:

  • USDA is the only mortgage program today that allows residents in Collier /Lee County home buyers to purchase with no down payment. Unless you have VA loan eligibility, USDA is the only option.
  • 100% financing , plus USDA allows for buyers to get their closing costs paid by the home seller, or added into their loan under certain cases depending on appraisal.
  • The USDA home inspection and appraisal requirements are the same as the other loan programs today like FHA, Conventional – no special requirements.
  • Home buyers are NOT required to have a certain amount of savings in the bank.
  • Secure 30 year fix terms at low interest rates with no early pay off penalty worries.
  • USDA loan applicants are NOT required to be first time home buyers. You can be a move up or second time buyer.
  • No USDA loan purchase limits – home buyers qualify based on their income and debt to income ratios.
  • Decreased monthly mortgage insurance. USDA requires a monthly mortgage insurance costs each month like most home loans when the buyer is putting down less than 20 percent down payment.  The benefit with USDA is the monthly PMI costs is much less when compared to other home loans like FHA, etc.
  • Starting the process for a USDA loan doesn’t require any special class, or down payment assistance .  Buyers can get pre approved in under 20 min.

Critical USDA loan eligibility and pre approval requirements:   

  • The property to be purchased must be located in a USDA Rural defined approved area in Florida. In addition the USDA program has income limits for the household.
  • Buyer that have student loan debt – Student loan debt is not deferred when qualifying for a USDA loans. Because of this, USDA loan applicants with significant student loan debt may have encounter obstacles in regards to debt to income ratio limits.
  • Closing time frame – The USDA loan program is unique because the loan files are processed in two steps. First by the mortgage company, bank or broker originating the loan, then the file goes through a final review at the local USDA Florida office. This means that USDA loans will take an additional week to close when compared to other loans.  Please note: USDA 502 Guaranteed loans can only be proceed by approved mortgage companies, not directly by the USDA.  USDA only processes their “Direct” loan in house. This program is set aside strictly for very low income, subsidized housing.

Florida USDA Home Loan Eligibility:

The USDA mortgage has a few important eligibility requirements that must be met in order to use the program. Let’s take a closer look below.

  • The location of the house: The house you decide to purchase must be located in a select rural approved area according to the USDA property map here. You can input the property address and check to see if the house resides in an eligible location. The home can be any single family, town home and select FHA approved condo.  Mobile homes and manufactured homes are not allowed.  If you need assistance finding USDA approved homes in your area, please contact us below. If you area is not eligible, please contact us to discuss other financing alternatives.
  • Your household income: The USDA Rural Development mortgage has income limits or “caps” in place. More importantly, the income caps apply to all income producers living in the house, even if they are NOT listed on the loan application. USDA limits vary based on the number of members living in the household, number of dependents, elderly and Florida county. Contact us below to discuss in detail.

Basic Florida USDA Loan Application Requirements:

USDA loans really aren’t that much different than other home loans like FHA, VA, etc.  USDA has standard qualifying guidelines that must be met. Let’s discuss the latest 2016 USDA guidelines below:

  • Credit Fico Score – USDA lenders will want to see applicants have a 620 or greater credit score to be approved. However, a 620 credit score do not guarantee loan approved. All mortgage companies have additional requirements in place for applicants that have experienced a past financial hardship like foreclosure, short sale or bankruptcy. These are called “overlays”  Example – if you have a 715 credit score, but had a foreclosure 2 years ago, you would likely need to wait a few more years.
  • Debt Ratios – Like all other home loan programs, USDA has debt to income ratio limits.  Borrowers can read more about this under the USDA eligibility section.
  • A copy of the borrowers bank statements will be needed during the approval process. Although USDA does not require a certain amount of savings, applicants will want to insure they can document any deposit out of the ordinary.  Normal weekly, bi weekly or monthly payroll deposits are normal and to be expected. However, random deposits will be documented with a copy of the check, and deposit slip. Gift funds are allowed with USDA loans, just be sure to keep a proper paper trail when it comes time to document. Additionally, the gift donor may be required to provide their bank statements as well. These requirements are not exclusive to USDA loans, they are essentially required on all government loans today.
  • Employment History-  Two years of stable income will likely be needed. You are not required to have the same job for two years, just a stable history. Example:  Let’s say you have been working as fireman for 3 years. You recently left one fire department  and started working at another. In addition, you took a few weeks off between jobs.  This is fine.  Or maybe you needed to take a 3 weeks for hardship reasons – this likely would be okay as well.  Recent graduates are the exception of this rule as they do not need a solid a two year job history.  Self employed borrowers will need two years of tax returns. Any part time jobs will need two years of stable history to be included.

USDA Mortgage Source is Naples leading source for USDA loans.  Buyers that have questions or want to learn about getting qualified can call 904-302-6060 seven days a week.  For a quick response, please submit the Info Request form located on this page.

Serving USDA home buyers across the U.S. – including including Lee & Collier County:  Everglades City, Golden Gate, Immokalee, Marco, Marco Island, Naples, Naples Manor, Naples Park, North Naples, Ochopee, Palm River Estates. Boca Grande, Bokeelia, Bonita Springs, Captiva, Cape Coral, Estero, Gateway, Lehigh Acres, Fort Myers, Page Park, Punta Rassa, Sanibel, San Carlos Park, St. James City

Lee-Collier County First Time Buyer Program

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2016 USDA Household Income Limits

USDA MTG SOURCE -BESTHome buyers will find the 2016 USDA 502 household income limits for Florida below. Most of the other states in the U.S. are similar, please contact us to discuss the USDA rural housing income limits in your county.   The income limit for most of Florida is now set at $75,850 for a family of 1-4, with some Fla counties higher. Additionally, households with 5 or more members are permitted to make even more.

2016 USDA Household income limits

USDA loan applicants should keep in mind a few important things in regards to 2016 USDA household income limits. These things apply to all states and counties:

  • The income limits apply to ALL people living in the home that receive income – even if they are NOT listed on the loan application.  Example:  Husband and wife together make a gross income of $55,000 per year. In addition, they have an elderly parent that lives with them, but they are not going to be included on the mortgage, or listed on the loan application. This parent receives $10,000 per year in social security income or disability income.  For USDA income eligibility purposes their household income amount would be $65,000 per year. For qualifying purposes, their income would be $55,000.
  • One exception is working full time students, as only a max of $480 of their yearly income ( if they work) is included. However, if they are also a dependent, the $480.00 can be removed thus canceling out their income all together.
  • For W2 earners the USDA income limits are based on gross income, not NET income.  1099 or self employed workers income calculations can be more complex, we recommend these applicants contact us.
  • Dependent deduction –  Each household can deduct $480 per dependent.
  • Child care expenses when applicable. Documentable child day care expenses, etc.
  • Certain un reimbursed business expenses.
  • The USDA RD income limits only applies to household income at the time of closing. Future income or earning potential is not a factor.
  • Note the USDA income limits apply to both USDA purchase and USDA refinance transactions.

If you household income is close to the limit, be sure to calculate your income deductions properly.  We often see this as the difference in turning an ineligible household to ELIGIBLE for USDA financing.  USDA has a handy income calculator located here. This will do all the math for you, just follow the step listed.  If you have questions or aren’t sure about something, please contact us. We would be happy to assist you – just submit the short Info Request Form on the right side of this page for fast service. Mobile users can find the Info Request Form at the top of this page.  You can also contact us at 7 days a week at  ph: 904-302-6060

Serving home buyers nationally including Florida:

Alachua County
Baker County
Bay County
Bradford County
Brevard County
Broward County
Calhoun County
Charlotte County
Citrus County
Clay County
Collier County
Columbia County
DeSoto County
Dixie County
Duval County
Escambia County
Flagler County
Franklin County
Gadsden County
Gilchrist County
Glades County
Gulf County
Hamilton County
Hardee County
Hendry County
Hernando County
Highlands County
Hillsborough County
Holmes County
Indian River County
Jackson County
Jefferson County
Lafayette County
Lake County
Lee County
Leon County
Levy County
Liberty County
Madison County
Manatee County
Marion County
Martin County
Miami-Dade County
Monroe County
Nassau County
Okaloosa County
Okeechobee County
Orange County
Osceola County
Palm Beach County
Pasco County
Pinellas County
Polk County
Putnam County
Santa Rosa County
Sarasota County
Seminole County
St. Johns County
St. Lucie County
Sumter County
Suwannee County
Taylor County
Union County
Volusia County
Wakulla County
Walton County
Washington County
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