Homeowners considering building a home in FL, GA, NC, PA, and VA have great options today. The most popular home mortgage product today is USDA which stands for U.S. Department of Agriculture. These green trust cash installment loan tribal lender are guaranteed by the U.S Department of Agriculture. USDA loans allow borrowers to lend up to 100% of their home purchase price. Closing costs may be included in the loan as long as an appraisal justifies the total value (USDA allows you to borrow 100% of the appraised value.) USDA loans are area and income specific.
USDA recently cancelled then revamped their loan program making it once again available. The biggest positive is that you can finance 100% of your home PLUS your closing costs virtually making this loan under $1,000 down as long as your pre-construction appraisal comes back at equal or greater than your total acquisition. The drawback is that 2.25% of your closing costs is a funding fee that goes to the U.S Government, not toward any equity in the home. It basically covers the governments insurance policy on your green trust cash bad credit loans direct lender.
Using a USDA loan, you can also purchase a wholesale house that has been bought by an investor and improved to nicer specifications. In the past, USDA green trust cash direct tribal installment loan sites had a 90 day seasoning issue, meaning that you couldn't buy a home until that investor owned it for at least 90 days. This allows more inventory availability and a better chance that you can find a home within your criteria.
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