*Please note that USDA loan rates are subject to change daily.*

*We now have credit score tier specific USDA Mortgage Rates!*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA 30 year fixed – Credit Scores 620 to 639

With 1.125 points – 4.75%!          With .50 points – 4.875%!

USDA 30 year fixed – Credit Scores 640 to 659

With 1 points – 4.75%!          With .375 points – 4.875%!

USDA 30 year fixed – Credit Scores 660 to 699

With .750 points – 4.75%!          With .125 points – 4.875%!

USDA 30 year fixed – Credit Scores 740+

With .375 points – 4.75%!          With 0 points – 4.875%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

*Please note that USDA loan rates are subject to change daily.*

*We now have credit score tier specific USDA mortgage Rates!*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA 30 year fixed – Credit Scores 620 to 639

With 1.25 points – 4.75%!          With 0 points – 5.00%!

USDA 30 year fixed – Credit Scores 640 to 659

With 1.125 points – 4.75%!          With 0 points – 5.0%!

USDA 30 year fixed – Credit Scores 660 to 699

With .875 points – 4.75%!          With .250 points – 4.875%!

USDA 30 year fixed – Credit Scores 740+

With .5 points – 4.75%!          With 0 points – 4.875%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

*Please note that USDA loan rates are subject to change daily.*

*All USDA loan rates assume a credit score of at least 620.*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA  30 year fixed with 620+ Mid Credit Score

With 1 points – 4.875%!

With 0 points – 5.125%!

USDA  30 year fixed with a Mid Credit Score under 620

With 1 points – 5.0%!

With 0 points – 5.25%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

*Please note that USDA loan rates are subject to change daily.*

*All USDA loan rates assume a credit score of at least 620.*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA  30 year fixed

With .375 points – 4.750%!

With 0 points – 4.875%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

*Please note that USDA loan rates are subject to change daily.*

*All USDA loan rates assume a credit score of at least 620.*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA  30 year fixed

With 1 points – 4.750%!

With 0 points – 4.875%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

The U.S. Treasury plans to push lenders to modify their mortgages in hopes of keeping more Americans in their homes. Michael Barr, assistant Treasury Secretary, provides insight into the program and participants to CNBC’s Diana Olick.

*Please note that USDA loan rates are subject to change daily.*

*All USDA loan rates assume a credit score of at least 620.*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA  30 year fixed

With 1.50 points – 4.50%!

With 1/2 (.05) points – 4.75%!

With 0 points – 4.875%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

*Please note that USDA loan rates are subject to change daily.*

*All USDA loan rates assume a credit score of at least 620.*

*All USDA loan rates posted are based on 30 day locks. *

*Please note that the USDA home loan rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

USDA  30 year fixed

With 1.50 points – 4.50%!

With 1/2 (.05) points – 4.75%!

With 0 points – 4.875%!

Please contact us for a free, no obligation customized quote.

Compare Today’s USDA Rates with Today’s FHA Rates and Today’s VA Rates

So it’s not really funny but it is amazing!

Not something you want to happen as first time home buyer!

In reality, lenders started requiring desk reviews and underwriters started pulling their own AVMs (Automated Valuation Model) from their desk at least 2 years prior to the HVCC going into effect. Here’s the ironic part, lenders started doing their job! The underwriter is supposed to determine the risk on every file and that includes the appraisal.

Now statistics show that since the implementation of the HVCC, appraisal fraud has increased by 46%!