USDA Loans Lake Santeetlah, North Carolina

The Lake Santeetlah, North Carolina 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 North Carolina cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some countries like North Carolina, the vast majority of the country is eligible for USDA loans. Find out if a property in Lake Santeetlah, NC 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.

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Finding the Perfect Home Loan

Thousands of consumers in Lake Santeetlah, NC 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 Lake Santeetlah 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 Lake Santeetlah mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Lake Santeetlah, North Carolina 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 Lake Santeetlah, NC 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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    Lake Santeetlah, NC USDA Benefits

    • No down payment required
    • Low 30 year fixed rate
    • 100% financing
    • 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 Lake Santeetlah, NC USDA Home Loan 888-767-0554.

    Lake Santeetlah, part of the Tennessee River watershed, was created in 1928 when Alcoa dammed the Cheoah River as a means of generating hydroelectric power in Graham County, North Carolina. The reservoir is largely surrounded by the Cheoah District of the Nantahala National Forest. During the last decades of the twentieth century non-public lands were developed as scenic residences and vacation homes, most notably in the area now incorporated as the town of Lake Santeetlah.[2]

    Although the area below the highwater mark continues to be managed by Alcoa, approximately 80% of the surrounding land is under the jurisdiction of the U.S. Forest Service, which provides swimming, camping, picnicking, fishing and boating facilities. Lake Santeetlah has 76 miles of shore line and is home to a variety of trout, muskie, crappie, and bass. Of special note is the adjoining Joyce Kilmer Memorial Forest, which was set aside in 1936 as a memorial to poet-soldier Joyce Kilmer, and is perhaps “the most impressive example of original, old growth forest” in the eastern United States.[3]

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