Rural Development

Western Colorado's & Southeastern Utah's Residential Mortgage Experts

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Montrose, CO Office

Moab, UT Office

Now Is The Time To Refinance

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Typical Documentation

FmHA Rural Development Loans

USDA Guaranteed Rural Housing Loan/100 % No Money Down - This loan is used by borrowers to purchase a home they will personally occupy. This 30 year fixed rate mortgage is offered to families whose income does not exceed 115 % of the median income for the area (to see a chart of incomes limits by family size click here). There is no loan limit as long as the borrowers meet income ratios. This no down payment loan can be used to purchase rural property (most city properties in Western Colorado and Southeastern Utah are eligible). Closing cost and repairs can be included if the appraised value warrants. There is a 2% up front Funding Fee, but this loan does not require monthly mortgage insurance premium. New homes have a minimum landscape requirement.

FmHA Rural Development Income Limits

Refinancing Existing FmHA Rural Development Loans

Refinancing Existing FmHA Section 502 Direct Loans

New Construction Landscape Requirements

New Construction Termite Treatment Requirement

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