Hacienda Heights, CA USDA Loan Eligibility
Introduction to USDA Home Loans
The United States Department of Agriculture (USDA) home loan program offers unique opportunities for homeownership in rural and suburban areas. These loans are designed to promote prosperity in and around Hacienda Heights, CA, making it easier for low-to-moderate-income individuals and families to own a home. Hacienda Heights, CA USDA loans come with several benefits, including no down payment, lower mortgage insurance, and competitive interest rates.
Eligibility Criteria Hacienda Heights, CA USDA Home Loans
1. Location Eligibility
- Rural and Suburban Areas: The property must be located in an area that is designated as rural by the USDA. This often includes suburban and rural areas like Hacienda Heights, CA.
- USDA Property Information: Use our USDA help line 888-767-0554 to check if a specific address or area is eligible.
2. Income Eligibility
- Income Limits: Your household income must not exceed 115% of the median income of the area.
- Adjusted Income: Consideration of certain deductions might lower your adjusted income, potentially qualifying you for the program.
3. Credit Requirements
- Credit Score: A credit score of 620 or higher is typically required, offering streamlined loan processing.
- Credit History: Applicants with lower scores may still be eligible but must meet stricter underwriting standards.
4. Citizenship and Residency
- Legal Status: Applicants must be U.S. citizens, non-citizen nationals, or qualified aliens.
- Primary Residence: The home financed must be your primary residence.
5. Property Eligibility
- Type of Property: Eligible properties include single-family homes, condos, and manufactured homes that meet specific Hacienda Heights, CA USDA standards.
- Condition of Property: The home must be in good livable condition, adhering to USDA health and safety standards.
Call Today (888)767-0554
Application Process
- Prequalification: Start by getting prequalified with our Hacienda Heights, CA USDA lending team. This gives you an idea of what you might be eligible to borrow.
- Find a Hacienda Heights, CA USDA-Eligible Home: We will help you look up eligible areas.
- Complete the Application: Provide all necessary documentation, including income verification, credit information, and details about the desired property. We will walk you through the process.
- Loan Processing and Underwriting: We will process your application and underwrite the loan.
- Approval and Closing: Once approved, you’ll proceed to closing and can then move into your new home.
Hacienda Heights, CA USDA home loans are an excellent option for those looking to buy a home in rural or suburban areas. They offer several benefits over traditional mortgages, including no down payment and more lenient credit requirements. Understanding and meeting the eligibility criteria is crucial for a successful application. Prospective buyers are encouraged to start the process early and work closely with one of our Hacienda Heights, CA USDA professionals.

Get on the Path to Home Ownership. We got your Back!
Buy a Home with No Money Down

Get Pre-Qualified Now
USDA Benefits Hacienda Heights, CA
Learn More About Hacienda Heights, CA
Hacienda Heights (pronunciationⓘ) is an unincorporated suburban community in Los Angeles County, California, United States. As of the 2020 census, the community had a total population of 54,191,[3] up from 54,038 at the 2010 census. For statistical purposes, the Census Bureau has defined Hacienda Heights as a census designated place (CDP). It is the second largest CDP in Los Angeles County by area, behind Topanga, and the county’s fourth largest CDP by population.[4]
Hacienda Heights sits on land that was originally part of Rancho La Puente.
During Spanish rule, the land around Hacienda Heights was operated by the nearby Mission San Gabriel Arcángel in San Gabriel.[5] The Rancho was eventually acquired by John A. Rowland and William Workman in 1845 via a Mexican land grant, and eventually acquired by Elias “Lucky” Baldwin in the mid-1870s.[6] In 1912, his descendant, Anita Baldwin, sold the property to Edwin Hart and Jet Torrance.[6] In 1913 the pair subdivided the area and named it North Whittier Heights, which became known for avocado, citrus and walnut orchards.[7] However, from the Great Depression era to the early 1940s, citrus growing became unprofitable because of pests and diseases, setting the impetus for the area’s transformation into a suburb.[8]
Get the Latest USDA Mortgage News!
USDA Home Loans: Top States and Cities Offering No Money Down Options
When it comes to buying a home, one of the biggest hurdles for many buyers is saving for a down payment. Thankfully, USDA home loans eliminate [...]Holiday Joy with USDA Loans: Real Stories of Homeownership Success
The holiday season is a time of celebration, togetherness, and new beginnings. For many families, it’s also the perfect time to reflect on the [...]Why Owning a Home in 2025 Is Easier Than You Think
As we step into 2025, the dream of owning a home is more attainable than ever. With the elections behind us, stability in the housing market has [...]Why the USDA Home Loan is Ideal for Homebuyers Outside Major Cities
If you’re considering buying a home just outside a bustling metro area, the USDA home loan may be your best option. This loan program, designed [...]Building Your Barndominium with Ease: One-Time Close Construction Loan Options at USDAruralmortgage.com
The unique appeal of a barndominium – a custom-built home with the rustic charm of a barn and the modern amenities of a home – is drawing more [...]Understanding Borrower-Paid vs. Lender-Paid Mortgages
Understanding Borrower-Paid vs. Lender-Paid Mortgages with USDAruralmortgage.com When you’re choosing a mortgage, whether it’s for a new home [...]Refinance Your USDA Rural Mortgage and Skip Two Payments
Refinance Your USDA Rural Mortgage and Skip Two Payments: Perfect Timing for the Holidays! As the holiday season approaches, many homeowners [...]Understanding Weighted Interest and When to Refinance with USDAruralmortgage.com
For many homeowners, managing multiple debts can be a challenging task, especially when some of those debts carry high-interest rates. [...]What to Expect When Applying for a USDA Home Loan or Refinance
What to Expect When Applying for a USDA Home Loan or Refinance with USDARuralMortgage.com Applying for a USDA home loan or refinance can be an [...]Latest Mortgage Rate Drop: Why Now is the Time to Refinance Before the Holidays
As the holiday season approaches, the latest news on mortgage rates has caught the attention of homeowners across the country. Recently, rates [...]
Check Hacienda Heights, CA Property Eligibility 888-767-0554.
More Locations we Service in California.