USDA Loans Chickasaw, Alabama

The Chickasaw 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 Chickasaw, 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 Chickasaw, 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 Chickasaw 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 Chickasaw mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Chickasaw, 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 Chickasaw, 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.

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

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

    The Chickasaw (/ˈtʃɪkəsɔː/ CHIK-ə-saw) are an indigenous people of the Southeastern Woodlands. Their traditional territory was in the Southeastern United States of Mississippi, Alabama, and Tennessee as well in southwestern Kentucky.[2] Their language is classified as a member of the Muskogean language family. In the present day, they are organized as the federally recognized Chickasaw Nation.

    Chickasaw people have a migration story in which they moved from a land west of the Mississippi River, where they settled mostly in present-day northeast Mississippi, northwest Alabama, and into Lawrence County, Tennessee.[3] They had interaction with French, English, and Spanish colonists during the colonial period. The United States considered the Chickasaw one of the Five Civilized Tribes of the Southeast, as they adopted numerous practices of European Americans. Resisting European-American settlers encroaching on their territory, they were forced by the U.S. government to sell their traditional lands in the 1832 Treaty of Pontotoc Creek and move to Indian Territory (Oklahoma) during the era of Indian removal in the 1830s.

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