We help low-to-moderate-income families in eligible rural and suburban areas buy their dream homes through the USDA loan program. With zero down payment, low interest rates, and flexible qualification guidelines, USDA loans make homeownership affordable for more Californians than ever before.
USDA Loans in California
About
What Is a USDA Loan?
A USDA loan is a mortgage program backed by the U.S. Department of Agriculture (USDA). It’s designed to promote homeownership in rural and suburban communities for eligible buyers who meet income and location requirements. Because it’s backed by the government, lenders can offer 100% financing, low mortgage rates, and lenient credit standards — no down payment required.
You may qualify for a USDA home loan if you meet these general requirements:
- Location: The home must be in a USDA-eligible rural or suburban area.
- Income Limits: Household income must be within USDA’s low-to-moderate income range for your county.
- Credit Score: Typically 580 or higher (we can help if yours is lower).
- Primary Residence: The property must be your main residence.
- Stable Income: Proof of steady employment and reliable income for at least two years.
Benefits
Benefits of a USDA Loan
$0 Down Payment
100% financing means no money down required.
Lower Interest Rates
Competitive fixed rates backed by the USDA.
Flexible Credit Guidelines
Easier to qualify than many traditional loans.
Low Mortgage Insurance Costs
Affordable monthly premiums.
Fixed-Rate Security
Stable, predictable monthly payments.
Rural & Suburban Focus
Perfect for those buying outside big cities.
Types
Types of USDA Loans We Offer
USDA Guaranteed Loan
Best For: Most homebuyers
Highlights: Backed by USDA; 100% financing available
USDA Direct Loan
Best For: Very low-income buyers
Highlights: Government-funded program with income-based rates
USDA Streamlined Assist Refinance
Best For: Current USDA borrowers
Highlights: Quick refinance with minimal documentation
Comparison
USDA Loan vs. Conventional Loan
USDA Loan
- Down Payment: 0%
- Credit Score: 580+
- Mortgage Insurance: Lower monthly cost
- Property Type: Rural/Suburban primary home
- Income Limits: Yes
- Government Backed: Yes
Conventional Loan
- Down Payment: 3-20%
- Credit Score: 620+
- Mortgage Insurance: Required if <20% down
- Property Type: Any
- Income Limits: No
- Government Backed: No
FAQs
Frequently
Asked Questions
Still have a question?
JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.
Can I buy a home with no down payment?
Yes! USDA loans offer 100% financing, meaning you can buy without a down payment.
What areas qualify for a USDA loan?
Most rural and some suburban areas in California qualify. We can help check your property’s eligibility.
Are there income limits for USDA loans?
Yes, your total household income must fall within the USDA’s income guidelines for your county.
Can I refinance a USDA loan?
Yes, with a USDA Streamlined Assist Refinance, you can easily lower your rate and monthly payment.
Still have a question?
JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.
JL Lending Team
Why Choose Us for USDA Loan?
Local Experts
Serving California’s veterans with deep knowledge of the state’s housing market.
Fast, Tech-Enabled Process
Apply, upload documents, and track your loan online.
Personalized Guidance
We’re not tied to one lender — we find the best loan for you.
Contact Us
Ready to Get Started with Your USDA Loan?
Buying a home in California’s rural or suburban areas is easier than you think. Let JL Lending Team help you qualify for a $0 down USDA loan and move into your dream home faster.
Start today and see if your home qualifies for USDA financing.