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Zero Down Government Insured Loan Program
The Guaranteed Rural Housing (GRH) Loan program is a government insured single-family home loan program for low-to–moderate income borrowers looking to purchase a home in a designated rural development area.  This program is an excellent option to offer borrowers who are not able to make a significant down payment on a home.  Here are some of the key features and benefits of the Guaranteed Rural Housing Program:

o       Up to 102% Financing Available Using Appriased Value

o          100% of Closing Costs can be Financed  
   o       No Mortgage Insurance, No Reserves, and No Prepayment Penalties!

o    No Maximum Loan Amount

o       No Limit on Seller Contributions
o   No minimum contribution from the borrower’s own funds 
o       30 Year Fixed Rate Loan Programs Only 

o       No Private Mortgage Insurance required; Upfront USDA Guaranteed Fee of 2% can be financed into the loan amount for purchase transactions and .5% for rate/term refinances

Eligible Properties with Advertised Signs