Depending on your situation, a USDA loan might be great for you. There are household income limits and property conditions to meet to be eligible to receive financing from the USDA, but our mortgage experts can help you determine if you qualify. The Local Mortgage team can also help you determine if a USDA loan is the best type of mortgage for your situation and assist you through the USDA home loan process.

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Mortgages backed by the USDA require both an upfront and monthly insurance premium. However, the upfront insurance premium can be financed into the loan, and the monthly insurance premium is less expensive compared to other products. Feel free to browse our blog to learn more about the general structure of USDA loans compared to other types of mortgages. 

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USDA mortgages are very popular for those who qualify. That said, each state's USDA office approves each USDA loan on a first-come-first-serve basis, so it is crucial to get the process started as soon as you know that you qualify. Check out our post on the essentials of USDA loans to get more details and feel free to apply for a loan on our site!

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When you apply for a USDA home loan from Local Mortgage, you get the advantage of working with our expert team. Our mortgage specialists have spent years working in the mortgage industry and they have vast experience handling USDA loans. We offer extremely competitive low interest rates on USDA loans, and at Local Mortgage, we value transparency and communication so you will always know where your loan is at during the process. Since we value communication, our staff is always available for you to contact. 

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By working with Local Mortgage, you will get a mortgage structured to suit your needs. Whether that is a USDA loan or another mortgage product, we will work hard to find you the best mortgage for your unique circumstances. 

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