USDA Loans in Stockton

FREE Mortgage Rate Quote »

f you are shopping for competitive mortgage rates and zero down on a home loan in Stockton or anywhere in California, the income-based USDA mortgage program makes homeownership affordable.

What is a USDA Loan?

The USDA mortgage program allows qualified homebuyers to enjoy the benefits of having their home loans insured by the US Department of Agriculture (USDA).

Sometimes, the USDA home loan program is also called the “Rural Development Guaranteed Housing Loan” program. Officially, this name is defunct, but it is still in common use.

USDA Loans in California Include These Benefits

Pay fixed affordable mortgage rates on your home loan. You do not need perfect credit to qualify for these rates.

Your closing costs for a USDA mortgage will not exceed an affordable maximum cap.

Even though you may need to purchase private mortgage insurance (PMI), you may qualify for a discount on your payments.

You can purchase a home with zero down using a USDA mortgage, enabling you to move in right away.

USDA mortgages are flexible in terms of use. Apply for one to buy, build, upgrade or repair a home, or even buy a vacant lot for future residential use.

Are You Eligible for a Stockton USDA Mortgage?

You must meet the following eligibility requirements in order to obtain a USDA mortgage in California.

As this is an income-based lending product, your household income must not exceed the maximum cap for the size of your family.

USDA loans are intended only for use in rural locations as defined by the US Department of Agriculture. So long as the population of the area is no greater than 35,000 inhabitants, it may qualify as rural according to the USDA.

Only US citizens, non-citizen nationals and qualifying aliens are eligible for USDA financing.

What Our Clients Are Saying

22:40 28 Jan 20
My experience with HMLC has been exceptionally good, as a veteran, I would recommend HOME Mortgage Lending Co. knowledge of Veterans benefits and needs is a plus.
Vanessa Medina
Vanessa Medina
17:18 07 Oct 19
I had an AMAZING first-time home buying experience with H.O.M.E Lending! Don Burns and his assistant Paula were a joy to work with and made every step of the way extremely easy and stress free. I loved that I was kept informed through each step as progress was made, and I felt like my experience was customized, rather than feeling like "just another client." I will definitely be bringing my business back in the future! Still in awe with my home and the treatment I was given!read more
Ashley Acker
Ashley Acker
16:57 04 Oct 19
Don and his team will do everything possible to get you in a home you truly love! They are excellent at prompt communication, and were so kind and patient while we asked a million questions about the homebuying process. Few things are more stressful than buying your first home, and Don and Paula were so great and made it so easy. Don kept us aware of the rates and made sure to lock in our loan when rates were the best for us. He is an excellent agent, broker, and lender, and has SO much knowledge about every single step of the process! Thanks so much, Don and team!read more
Christy Werner
Christy Werner
16:44 15 Sep 19
Don and his staff at H.O.M.E. Lending went far above and beyond to assist me with a (by no fault of theirs) complicated sale of my home and purchase of a new home. Had it not been for Don and his staff, I would not be sitting happily in the home of my dreams right now. Don was a wealth of knowledge and a huge support throughout the entire transaction. His staff was professional, pleasant and amazing to work with. I will, without reservation, be recommending H.O.M.E Lending to my friends and family. I am very grateful that I found H.O.M.E. Lending.read more
Kevin Goehring
Kevin Goehring
19:13 11 Sep 19
I met Don Burns when he represented a buyer for a property I had listed. I was very impressed with Don's communication, professionalism, and attention to detail. In fact, I was so impressed with Don and the H.O.M.E Lending team that I have referred several of my clients to them for their refinance and purchase money needs. These referrals have all been pleased with the service and low rates. I have been equally as happy with the quick and easy closing and outstanding communication throughout the process. I have found that Don and the H.O.M.E Lending team actually care about their clients and offer a personal touch not found with the big banks.read more
Shari Cardenas
Shari Cardenas
20:08 20 Aug 19
Don Burns and company, we're all Amazing! Never had hubby and I thought we'd own. Don helped us with plan to pay credit and get a loan! I'm sitting in my new beautiful forever home!!! Thanks guys!
Next Reviews Write a review

Apply for a USDA Home Loan in Stockton Now

If you would like check your eligibility for a USDA mortgage based on your income level and the location where you are shopping for home, we can help you determine whether you may qualify during your consultation. Please call (209) 477-0262 or email info@gethomelending.com to get started applying for a zero down USDA mortgage in California.

Free Mortgage Rate Quote »