USDA Loans Cardiff, Alabama

The Cardiff 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 Alabama cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like Alabama, the vast majority of the state is eligible for USDA loans. Find out if a property in Cardiff, AL 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 Cardiff, AL 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 Cardiff 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 Cardiff mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Cardiff, Alabama 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 Cardiff, AL 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
Get Pre-Qualified Now

    Once this form is completed you will have the option to start your USDA mortgage application.

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    Cardiff, AL 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 Cardiff, AL USDA Home Loan 888-767-0554.

    Cardiff (/ˈkɑːrdɪf/; Welsh: Caerdydd [kairˈdiːð, kaːɨrˈdɨːð] (listen)) is the capital and largest city of Wales. It forms a principal area, officially known as the City and County of Cardiff (Welsh: Dinas a Sir Caerdydd), and the city is the eleventh-largest in the United Kingdom. Located in the south-east of Wales and in the Cardiff Capital Region, Cardiff is the county town of the historic county of Glamorgan and in 1974–1996 of South Glamorgan. It belongs to the Eurocities network of the largest European cities.[5] A small town until the early 19th century, its prominence as a port for coal when mining began in the region helped its expansion. In 1905 it was ranked as a city and in 1955 proclaimed capital of Wales. Cardiff Built-up Area covers a larger area outside the county boundary, including the towns of Dinas Powys and Penarth.

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