USDA

If you're purchasing in a rural or suburban area, a DPA loan makes homeownership more accessible by offering advantages that cater to your location and income.

Geographic Focus

Backed by the United States Department of Agriculture, USDA loans aim to facilitate homeownership in regions with lower population densities.

Zero Down Payment

Distinctive to USDA loans, you have the potential for zero down payment. Particularly beneficial if you have limited liquid assets, as it reduces the upfront financial burden associated with home purchases.

Income-Driven Accessibility

Designed to support households across a spectrum of income levels, USDA loans fit with the mandate to enhance economic opportunities and improve quality of life in rural communities.

Competitive Interest Rates

Despite being government backed, USDA loans often offer lower interest rates, providing you with favorable borrowing terms. This can save you money long term compared to alternative financing options.

Lender Collaboration

Securing a USDA loan necessitates collaboration with an approved lender. We provide you support, ensuring adherence to established lending standards, and make sure you get access to all the benefits available to you.

Eligible Areas

Looking to buy a home in the countryside?

Benefit from zero down payment options, competitive interest rates, and tailored support.

Enjoy the peace of rural and suburban living with financial peace of mind.

Cindy Regan - Originating Branch Manager - NMLS #264375

The Lending Authority Team - Hancock Mortgage -Powered by City First Mortgage Services LLC - NMLS #3117

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. The Lending Authority Team powered by City First Mortgage Services is not an agency of the Federal Government, and is not acting on behalf or at the direction of HUD/FHA.

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Cindy Regan - Originating Branch Manager - NMLS #264375

The Lending Authority Team - City First Mortgage Powered by Gold Star Financial Group

NMLS #3446

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Gold Star Mortgage Financial Group, Corporation (NMLS ID #3446) is an Equal Housing Opportunity lender and FHA-approved lender. Gold Star Mortgage Financial Group, Corporation is a California financial lending institution licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Gold Star Mortgage Financial Group, Corporation is not the FHA or any other government agency. The FHA does not directly originate, underwrite, service, or guarantee any residential mortgage loan. Not all products are available in all states.

Gold Star Mortgage may choose to recommend Modern Title Group LLC (at times, d/b/a Gold Star Close) or Radiant Insurance, LLC. Gold Star Mortgage has a direct or indirect financial or ownership interest in Modern Title Group LLC (at times, d/b/a Gold Star Close) and Radiant Insurance, LLC. You are not required to use either Modern Title Group LLC (at times, d/b/a Gold Star Close) or Radiant Insurance, LLC.