USDA Loans Diamond Springs, California

The Diamond Springs 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 Diamond Springs, 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 Diamond Springs, 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 Diamond Springs 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 2022 Diamond Springs mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Diamond Springs, 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 25th year in business.  Our experience allows for consumer mortgage confidence especially with Diamond Springs, 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!
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    Once this form is completed you will have the option to start your USDA mortgage application.

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    Diamond Springs, 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 Diamond Springs, CA USDA Home Loan 888-767-0554.

    Diamond Springs (formerly, Diamond Spring and Diamond)[2] is a census-designated place (CDP) in El Dorado County, California, United States. It is part of the Sacramento–Arden-Arcade–Roseville Metropolitan Statistical Area. The population was 11,037 at the 2010 census, up from 4,888 at the 2000 census. The town is registered as California Historical Landmark number 487.[3] It lies at an elevation of 1791 feet (546 m).[4]

    This town, settled in 1848, derived its name from its crystal clear springs. Among the most gold-rich locations in the region, the area produced a 25-pound nugget, one of the largest ever found in El Dorado County. Its most thriving period was in 1851 and, through its lumber, lime production, and agriculture, Diamond Springs has retained some of its early importance.