The Bay City, Michigan USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN.  When home buyers hear USDA rural they often think of farms or underdeveloped areas.  In most cases you can find USDA eligible properties just outside of major Michigan cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some countries like Michigan, the vast majority of the country is eligible for USDA loans. Find out if a property in Bay City, MI is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help.  Connect with a licensed USDA specialist, ask questions, see what cities qualify, and get free quotes.

Thousands of consumers in Bay City, MI are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help Bay City home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2025 Bay City mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Bay City, Michigan USDA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

• Review your finances to find a payment you can afford.
• Improve your credit score if needed to qualify.
• Obtain pre-approval to shop for a USDA Eligible Home.
• Secure a loan and purchase your new home!

The USDA Rural Mortgage team is celebrating its 28th year in business.  Our experience allows for consumer mortgage confidence especially with Bay City, MI first time home buyers.  We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just USDA rural mortgage loans.  Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options.

• No down payment required
• Low 30 year fixed rate
• 100% financing
• Can finance closing costs if appraisal above sales price
• Competitive rates (as set by the underwriting lenders)
• Minimal mortgage insurance required
• No cash contribution required from borrower
• Gift Funds Allowed
• No maximum loan amount (although there are family income limits)
• No reserves required
• Streamlined credit approval for scores above 640
• Can refinance an existing USDA loan to get a better interest rate if available

Find your Bay City, MI USDA Home Loan 888-767-0554.