USDA Loans Shellsburg, Iowa
The Shellsburg 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 cities. USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like Iowa, the vast majority of the state is eligible for USDA loans. Find out if a property in Shellsburg, IA is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help. Connect with a licensed Iowa USDA specialist, ask questions, see what cities qualify, and get free quotes.
Finding the Perfect Home Loan
Thousands of consumers in Shellsburg, IA 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 Shellsburg 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 Shellsburg, IA mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Shellsburg, IA 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 Shellsburg, IA 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
Get Pre-Qualified Now
Shellsburg, IA 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 Shellsburg, IA USDA Home Loan 888-767-0554.
Shellsburg is a city in Benton County, Iowa, United States. The population was 961 at the time of the 2020 census. It is part of the Cedar Rapids Metropolitan Statistical Area.
Shellsburg was founded in 1854.