OnlyWay Mortgage · USDA loans
USDA Home Loans in Georgia
More of Georgia qualifies as 'rural' than most people expect. The USDA guaranteed loan program is built for buyers with limited savings in eligible areas, with household income limits. We'll check the address and your household income with you before you fall in love with a house.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if usda loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Buyers looking outside the big cities and suburbs
- Buyers with limited savings for a down payment
- Households within the USDA income limit for their area
- Buyers of a home they will live in full time
How we work
The approach.
- 01Whether the address is in a USDA-eligible area
- 02Household income compared with the area limit
- 03Credit history
- 04Income and monthly debts
- 05The home's appraisal and condition
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
How do I know if a home is in a USDA-eligible area?
USDA has an official eligibility website where you can enter an address or browse the map. We'll check any home you're considering.
Is there an income limit?
Yes. For the guaranteed loan program, household income can't exceed 115% of the area's median household income. The limit depends on the county and household size.
Can I use a USDA loan for a vacation home or rental?
No. You must agree to live in the home as your primary residence.
Can you guarantee approval or a rate?
No. Every loan is subject to the lender's review of your credit, income, assets and the home, and rates change daily. We tell you honestly what looks realistic before you spend time or money.
Residential mortgage services are offered in Georgia only.
Residential mortgage
Verify licensing at NMLS Consumer Access. Equal Housing Lender.
Equal Housing Lender. Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.