Loan options

USDA Loans

Not every loan fits every situation. Here’s how I match you to the one that fits yours.

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What is it?

A USDA loan is a mortgage backed by the U.S. Department of Agriculture for homes in eligible areas. Many people picture only farmland, but eligible areas can include suburban communities.

Quick facts

Little to no down payment in most cases
Property must be in a USDA-eligible area
Household income limits apply

Who it fits

  • Buyers with low to moderate household income
  • Buyers who want to purchase with little or no down payment
  • Buyers considering homes outside the busiest urban cores

Good to know

Two things decide eligibility: the property’s location and your household income. Both are checked against USDA guidelines. Guarantee fees apply, which I’ll explain. Because eligibility depends on the specific address, I check a property early so you don’t fall for a home that doesn’t qualify.

The process

  1. Step 1

    We check if the property is USDA-eligible

  2. Step 2

    We confirm household income is within local limits

  3. Step 3

    I get you accurate numbers on the guarantee fee and payment

Common questions

Is the property location really that important?

Yes. Eligibility is based on USDA’s maps.

Do income rules apply?

Yes, they do. I’ll review them with you.

Can I use USDA for a refinance?

Possibly. It depends on your existing loan and property.

Not every Tampa Bay address is eligible, and I can check specific properties for you. See where I work.

Other options

Try the mortgage calculatorNo commitment, no info required. Refinancing? Try the refinance calculator.

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This is general information, not a commitment to lend or a rate quote. Programs, limits, and eligibility vary by borrower and property and can change. Equal Housing Opportunity. Jermin Munoz, Mortgage Loan Originator, NMLS# 2689451.