USDA Home Loans

  Talk To A Live Person Now – 443-624-9398

One of the greatest myths in America about buying a house is that you need money to put down and great credit. With a USDA loan you can buy a house with a 620 credit score and no money as long as the sellers are wiling to pay the closing costs. There are even ways to negotiate to cover the closing costs when sellers are not willing to pay them.

The main benefit of USDA Loans are the ability to buy a home with little or no money.  The second main benefit is that there is very low monthly mortgage insurance which saves thousands and even tens of thousands when comparing USDA vs FHA Loans.  Make sure to check the USDA guidelines for more info.

No Money Down Loan

USDA Home Loans do not require a down payment, the seller can contribute up to 6% and there are plenty of other options to ensure YO U CAN LITERALLY BUY A HOSE WITH NO MONEY! How? Well once we get the closing covered you are entitled to your earnest money back at settlement.

Rural Development Loan

USDA Loans

Another term for a USDA loan is a Rural Development Loan or a Rural Housing loan. These terms lead to the belief that you can only get a loan on houses in the countryside or sparsely populated areas. This is absolutely not true, there are many suburban areas with thriving communities. Check out our maps for USDA areas in the mid east. For other areas, please call 443-624-9398

Income and Location

The two things that set a USDA loan apart from others are the limits on household income and the location restrictions of the houses.

USDA Loan Specialist

 USDA Loan Specialist

As a USDA Loan Specialist I make my living helping home buyers become home owners using USDA or other home financing options.  The great thing about USDA Loans is the high USDA income limits and the vast amount of USDA eligible areas make this loan ideal for many.

5 Reasons to work with Brian Mayer

1. I am a USDA Loan Specialist – Most of my business comes from USDA Loans so I can answer the tough questions and know how to close tough deals.

2. I make my living by helping people and families get home financing -  This is how I feed my family, if I dont get you approved, I dont get paid.

3. Direct Lender – Envoy Mortgage is a direct lender with in-house underwriting and in-house financing so I have full control of your loan throughout the loan process.

4. I am accountable and available -  Unlike a bank or credit union, I make myself available after hours and weekends when you need me.

5. Credit Repair – 7 out of 10 buyers who call me are not credit qualified so I created a system that includes a team of experts that are available to you.

Improve Your Credit Score

7 out of every 10 buyers who calls me are not credit qualified to purchase the first time. To fill this need I surrounded myself with a team of experts that includes a credit repair specialist and a financial coach.

I will personally create you a “Road Map To Home Ownership.”  My goal is to get your credit up as fast as possible with the least amount of effort.  Everyone is different and needs a different solution, what do you have to lose?

Learn How To Improve Your Credit Score

To discuss your options or learn more about USDA Loans, talking is still free 443-624-9398

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