USDA Loans Hilmar-Irwin, California

The Hilmar-Irwin 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 Hilmar-Irwin, 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 Hilmar-Irwin, 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 Hilmar-Irwin 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 Hilmar-Irwin mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Hilmar-Irwin, 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 Hilmar-Irwin, 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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    Hilmar-Irwin, 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 Hilmar-Irwin, CA USDA Home Loan 888-767-0554.

    Hilmar is an unincorporated community in Merced County, California, United States.[1] It is located 4.25 miles (6.8 km) west-southwest of Delhi,[2] spanning 3.9 sq mi (10 km2) and at an elevation of 92 ft (28 m) above sea level.[1] For census purposes, Hilmar is aggregated with a nearby community into the Hilmar-Irwin census-designated place, which had 5,164 residents as of the 2020 census.[3]

    Hilmar began as a colony of Swedish immigrants as early as 1906.[2] The first post office opened in 1920.[2] It is the home of the Hilmar Cheese Company which was founded in 1984 and began production in 1985.[4] Hilmar has four schools within its district, Elim Elementary, Hilmar Middle School, Hilmar High School, and Irwin Continuation School.

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