USDA Loans Moss Landing, California

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

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

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    Moss Landing, 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 Moss Landing, CA USDA Home Loan 888-767-0554.

    Moss Landing, formerly Moss,[5] is a census-designated place (CDP) in Monterey County, California, United States.[4] Moss Landing is located 15 miles (24 km) north-northeast of Monterey,[5] at an elevation of 10 feet (3 m).[4] It is located on the shore of Monterey Bay, at the mouth of Elkhorn Slough, and at the head of the submarine Monterey Canyon.

    The earliest residents of the Moss Landing Elkhorn Slough area were the Ohlone Indians. Evidence from archaeological digs show that they may have lived here as long ago as 4,000 years. The Spanish forced the Ohlone Indians into the mission system in the 1700s from which few survived. “A total of 81,000 Indians were baptized and 60,000 deaths were recorded”.[6] After the mission system was a secularized, the Spanish government granted vast ranchos to soldiers and others with connections, including the 30,901-acre (125.05 km2) Rancho Bolsa Nueva y Moro Cojo. This grant extended from Moss Landing to present day Prunedale and south to Castroville.[7][8]

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