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Why No One is Using USDA Loans: Explained

Are you a first time buyer looking for mortgage options? USDA loans offer amazing benefits, including a 0% down payment, making them a great choice for many. In this video, we break down the perks and drawbacks of USDA loans to help you decide if they're right for you. From competitive interest rates to relaxed credit requirements, USDA loans have a lot to offer. But, there are also some restrictions, like geographic limits and longer approval times. Watch as we explore: 0% down payment benefits Competitive interest rates No PMI (Private Mortgage Insurance) Geographic restrictions Upfront funding fees Whether you're a first time buyer or looking for smart home buyer tips, this video will give you the insights you need. Understanding the pros and cons of USDA loans can make your home buying journey smoother and more informed. Don't forget to like, comment, and subscribe for more home buying tips! 👍 Like this video if it helped you! Map of USDA eligibility: https://eligibility.sc.egov.usda.gov/... USDA income Limits If you want to book an appointment with me, Click here: https://scheduler.zoom.us/jacob-kurtz... Jake Kurtz American pacific mortgage My App: https://mtgpro.co/dr/c/6vkqu NMLS 2117984   / jake_fromhomeloans   00:00 Introduction to USDA Loans 01:03 Benefits of USDA Loans 01:50 Competitive Interest Rates 02:05 Credit Requirements 02:19 No Mortgage Insurance 02:38 Streamline Refi 03:06 Drawbacks of USDA Loans 03:17 Geographic Restrictions 03:47 DTI Ratio 04:25 USDA income Limits 05:40 Primary residence only 06:23 Conclusion and Final Thoughts