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AmeriCU and Georgia Heritage FCU: What is a USDA Home Mortgage Loan?

Oct 29, 2019

The USDA home mortgage loan program exists to provide affordable homeownership opportunities in rural areas.

One of the lesser known mortgage options is a USDA home mortgage loan. Geared toward those who want to reside in rural areas, it may help homeowners obtain the home of their dreams. It also may be used to modify existing homes in rural areas depending on a variety of factors.

What is a USDA Home Mortgage Loan?

The USDA home mortgage loan is offered through the U.S. Department of Agriculture. The program assists lenders by providing low- and moderate-income households the opportunity to own adequate, safe, and sanitary dwellings in eligible rural areas.

In order to be eligible, applicants must meet certain income guidelines, and the home must be located in an eligible rural area as defined by the USDA. As with most loans and mortgages, applicants must show the ability to repay the loan, have a reasonable credit history, and meet other program requirements. The home must also be the applicant’s primary residence.

The loan allows for the building, rehabilitation, or relocation of a home based on certain guidelines. Depending on a variety of factors and rules, the loan may generally be used for:

  • New or existing residential property to be used as a permanent residence
  • A site with a new or existing dwelling
  • Repairs and rehabilitation
  • Refinancing of eligible loans
  • Some universal accessibility enhancements
  • Connection fees and utilities
  • Essential household equipment
  • Basic energy efficiency
  • Installing fixed broadband service to the household
  • Site preparation costs

The USDA home mortgage loan program exists to provide affordable homeownership opportunities, which promotes prosperity, creates thriving communities, and improves the quality of life in rural areas.

Our Credit Union’s Partnership with AmeriCU

Georgia Heritage Federal Credit Union has an affiliation with AmeriCU Mortgage to offer our members with mortgage and refinancing solutions.

To see if you may be eligible for a USDA home mortgage loan in Georgia based on your county of residence and family income, visit the USDA site and fill in the forms for a general idea of your status. Contact AmeriCU Mortgage for more specific information in your case.

You may also speak with one of our associates for details.

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Anyone who lives, works, worships, or attends school in Chatham, Effingham, or Bryan counties in Georgia and their immediate family members may gain membership to the Credit Union.

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