{"id":1539,"count":1,"description":"100% USDA Rural Housing loans in California are useful for first time home buyers that have limited funds for down payment.\u00a0 These loans are backed by the United States Department of Agriculture (USDA) and offer competitive interest rates and flexible credit requirements. They are designed to promote homeownership in rural areas and provide affordable housing options for low to moderate income families.\r\n\r\nTo qualify for a USDA Rural Housing loan, the property must be located in a designated rural area as determined by the USDA. This can include small towns and even some suburban areas outside major cities. The borrower's household income must also fall within certain limits based on family size and location. These income limits vary by county, so it is important to check with a lender or use an online calculator to determine eligibility.\r\n\r\nHappy to serve buyers throughout California, including Los Angeles, San Diego,\u00a0 San Jose, San Francisco and Sacramento. USDA loans offer 100% financing, meaning no down payment is required. This can be a huge benefit for those who may not have a large sum of money saved up for a down payment or closing costs.\r\n\r\nIn addition to the no-down-payment option, USDA loans also typically have lower interest rates compared to conventional mortgages. This can result in significant savings over the life of the loan. Borrowers with non-traditional credit histories or lower credit scores may also find it easier to qualify for a USDA loan as they often have more flexible credit requirements.\r\n\r\nUSDA loans are available in different types depending on your specific needs. The most common type is the Guaranteed Rural Housing Loan Program, which is managed by private lenders\r\n\r\nOne of the main advantages of a USDA Rural Housing loan is the option for 100% financing.","link":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/","name":"California USDA Home Loan","slug":"california-usda-home-loan","taxonomy":"category","parent":0,"meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>California USDA Home Loan - USDA Mortgage Source<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"California USDA Home Loan - USDA Mortgage Source\" \/>\n<meta property=\"og:description\" content=\"100% USDA Rural Housing loans in California are useful for first time home buyers that have limited funds for down payment.\u00a0 These loans are backed by the United States Department of Agriculture (USDA) and offer competitive interest rates and flexible credit requirements. They are designed to promote homeownership in rural areas and provide affordable housing options for low to moderate income families. To qualify for a USDA Rural Housing loan, the property must be located in a designated rural area as determined by the USDA. This can include small towns and even some suburban areas outside major cities. The borrower&#8217;s household income must also fall within certain limits based on family size and location. These income limits vary by county, so it is important to check with a lender or use an online calculator to determine eligibility. Happy to serve buyers throughout California, including Los Angeles, San Diego,\u00a0 San Jose, San Francisco and Sacramento. USDA loans offer 100% financing, meaning no down payment is required. This can be a huge benefit for those who may not have a large sum of money saved up for a down payment or closing costs. In addition to the no-down-payment option, USDA loans also typically have lower interest rates compared to conventional mortgages. This can result in significant savings over the life of the loan. Borrowers with non-traditional credit histories or lower credit scores may also find it easier to qualify for a USDA loan as they often have more flexible credit requirements. USDA loans are available in different types depending on your specific needs. The most common type is the Guaranteed Rural Housing Loan Program, which is managed by private lenders One of the main advantages of a USDA Rural Housing loan is the option for 100% financing.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"USDA Mortgage Source\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.usdamortgagesource.com\/wp-content\/uploads\/2016\/09\/logo.png\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"176\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@usdamtg\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"CollectionPage\",\"@id\":\"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/\",\"url\":\"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/\",\"name\":\"California USDA Home Loan - USDA Mortgage Source\",\"isPartOf\":{\"@id\":\"https:\/\/www.usdamortgagesource.com\/#website\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/#breadcrumb\"},\"inLanguage\":\"en-US\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.usdamortgagesource.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"California USDA Home Loan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.usdamortgagesource.com\/#website\",\"url\":\"https:\/\/www.usdamortgagesource.com\/\",\"name\":\"USDA Mortgage Source\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.usdamortgagesource.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.usdamortgagesource.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.usdamortgagesource.com\/#organization\",\"name\":\"USDA Mortgage Source\",\"url\":\"https:\/\/www.usdamortgagesource.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.usdamortgagesource.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.usdamortgagesource.com\/wp-content\/uploads\/2016\/01\/USDA-MTG-SOURCE-BEST.jpg\",\"contentUrl\":\"https:\/\/www.usdamortgagesource.com\/wp-content\/uploads\/2016\/01\/USDA-MTG-SOURCE-BEST.jpg\",\"width\":330,\"height\":147,\"caption\":\"USDA Mortgage Source\"},\"image\":{\"@id\":\"https:\/\/www.usdamortgagesource.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/usdamortgagesource\/\",\"https:\/\/x.com\/usdamtg\",\"https:\/\/www.youtube.com\/user\/Usdamtg\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"California USDA Home Loan - USDA Mortgage Source","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/","og_locale":"en_US","og_type":"article","og_title":"California USDA Home Loan - USDA Mortgage Source","og_description":"100% USDA Rural Housing loans in California are useful for first time home buyers that have limited funds for down payment.\u00a0 These loans are backed by the United States Department of Agriculture (USDA) and offer competitive interest rates and flexible credit requirements. They are designed to promote homeownership in rural areas and provide affordable housing options for low to moderate income families. To qualify for a USDA Rural Housing loan, the property must be located in a designated rural area as determined by the USDA. This can include small towns and even some suburban areas outside major cities. The borrower&#8217;s household income must also fall within certain limits based on family size and location. These income limits vary by county, so it is important to check with a lender or use an online calculator to determine eligibility. Happy to serve buyers throughout California, including Los Angeles, San Diego,\u00a0 San Jose, San Francisco and Sacramento. USDA loans offer 100% financing, meaning no down payment is required. This can be a huge benefit for those who may not have a large sum of money saved up for a down payment or closing costs. In addition to the no-down-payment option, USDA loans also typically have lower interest rates compared to conventional mortgages. This can result in significant savings over the life of the loan. Borrowers with non-traditional credit histories or lower credit scores may also find it easier to qualify for a USDA loan as they often have more flexible credit requirements. USDA loans are available in different types depending on your specific needs. The most common type is the Guaranteed Rural Housing Loan Program, which is managed by private lenders One of the main advantages of a USDA Rural Housing loan is the option for 100% financing.","og_url":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/","og_site_name":"USDA Mortgage Source","og_image":[{"width":400,"height":176,"url":"https:\/\/www.usdamortgagesource.com\/wp-content\/uploads\/2016\/09\/logo.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_site":"@usdamtg","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"CollectionPage","@id":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/","url":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/","name":"California USDA Home Loan - USDA Mortgage Source","isPartOf":{"@id":"https:\/\/www.usdamortgagesource.com\/#website"},"breadcrumb":{"@id":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/#breadcrumb"},"inLanguage":"en-US"},{"@type":"BreadcrumbList","@id":"https:\/\/www.usdamortgagesource.com\/blog\/category\/california-usda-home-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.usdamortgagesource.com\/"},{"@type":"ListItem","position":2,"name":"California USDA Home Loan"}]},{"@type":"WebSite","@id":"https:\/\/www.usdamortgagesource.com\/#website","url":"https:\/\/www.usdamortgagesource.com\/","name":"USDA Mortgage Source","description":"","publisher":{"@id":"https:\/\/www.usdamortgagesource.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.usdamortgagesource.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.usdamortgagesource.com\/#organization","name":"USDA Mortgage Source","url":"https:\/\/www.usdamortgagesource.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.usdamortgagesource.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.usdamortgagesource.com\/wp-content\/uploads\/2016\/01\/USDA-MTG-SOURCE-BEST.jpg","contentUrl":"https:\/\/www.usdamortgagesource.com\/wp-content\/uploads\/2016\/01\/USDA-MTG-SOURCE-BEST.jpg","width":330,"height":147,"caption":"USDA Mortgage Source"},"image":{"@id":"https:\/\/www.usdamortgagesource.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/usdamortgagesource\/","https:\/\/x.com\/usdamtg","https:\/\/www.youtube.com\/user\/Usdamtg"]}]}},"_links":{"self":[{"href":"https:\/\/www.usdamortgagesource.com\/wp-json\/wp\/v2\/categories\/1539"}],"collection":[{"href":"https:\/\/www.usdamortgagesource.com\/wp-json\/wp\/v2\/categories"}],"about":[{"href":"https:\/\/www.usdamortgagesource.com\/wp-json\/wp\/v2\/taxonomies\/category"}],"wp:post_type":[{"href":"https:\/\/www.usdamortgagesource.com\/wp-json\/wp\/v2\/posts?categories=1539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}