USDA Loans Aptos Hills-Larkin Valley, California

The Aptos Hills-Larkin Valley 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 California cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like California, the vast majority of the state is eligible for USDA loans. Find out if a property in Aptos Hills-Larkin Valley, CA 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.

Finding the Perfect Home Loan

Thousands of consumers in Aptos Hills-Larkin Valley, CA 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 Aptos Hills-Larkin Valley 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 2024 Aptos Hills-Larkin Valley mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Aptos Hills-Larkin Valley, California 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!

Working around Credit Issues with Top Rated Specialists

The USDA Rural Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with Aptos Hills-Larkin Valley, CA 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.

Get on the Path to Home Ownership. We got your Back!
Buy a Home with No Money Down
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    Once this form is completed you will have the option to start your USDA mortgage application.

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    Aptos Hills-Larkin Valley, CA USDA Benefits

    • No down payment required
    • Low 30 year fixed rate
    • 102% financing (100% plus the guarantee fee that can be financed or paid for by the seller)
    • 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 Aptos Hills-Larkin Valley, CA USDA Home Loan 888-767-0554.

    Aptos Hills-Larkin Valley is an unincorporated community in Santa Cruz County, California, United States. It is identified as one of several small communities with a combined population of 24,402 forming the unincorporated town of Aptos by the local Chamber of Commerce along with:

    For statistical purposes, the United States Census Bureau has defined Aptos Hills-Larkin Valley as a census-designated place (CDP). The census definition of the area may not precisely correspond to local understanding of the area with the same name. The population was 2,383 as of the 2020 United States census.[2]

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