USDA Loans West Okoboji, Iowa

The West Okoboji 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 West Okoboji, 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 West Okoboji, 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 West Okoboji 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 West Okoboji, IA mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a West Okoboji, 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 West Okoboji, 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.

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

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    West Okoboji, 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 West Okoboji, IA USDA Home Loan 888-767-0554.

    West Okoboji Lake (sometimes known as West Lake Okoboji) is a natural body of water, approximately 3,847 acres (15.57 km2) in area, in Dickinson County in northwestern Iowa in the United States. It is part of the chain of lakes known as the Iowa Great Lakes. The area was long inhabited by the Santee or Dakota Sioux. The Dakota-language name for the lake was Minnetonka, meaning “great waters”.

    The cities of Arnolds Park, Okoboji, West Okoboji, and Wahpeton sit on its shore. Okoboji was derived from the Dakota name for the lake, and Wahpeton was the name of one of the major historic Sioux bands in the nineteenth century. Today the Sisseton-Wahpeton Sioux are a federally recognized tribe.