USDA Home Loans in Tennessee & California

At First Capital Mortgage, we are proud to offer USDA loans, a perfect solution for homebuyers looking to purchase in rural and suburban areas of Tennessee and California. With zero down payment and competitive rates, USDA loans make homeownership more accessible for families and individuals.

What Is a USDA Loan?

A USDA loan is a government-backed mortgage designed to help low-to-moderate-income buyers purchase homes in eligible rural and suburban areas. These loans are issued by approved lenders and insured by the U.S. Department of Agriculture (USDA).

Benefits of USDA Loans

• No Down Payment: 100% financing makes it easier to buy a home without upfront costs.
• Low Interest Rates: Enjoy competitive rates compared to conventional loans.
• Affordable Monthly Payments: Reduced mortgage insurance premiums lower your overall costs.
• Flexible Credit Requirements: Qualify with credit scores as low as 640.

Eligibility for USDA Loans

To qualify for a USDA loan, borrowers typically need:

• A property located in an eligible rural or suburban area
• A household income that meets USDA guidelines
• A credit score of at least 640 (varies by lender)
• Proof of steady income and employment

USDA Loans in Tennessee

From Knoxville to the outskirts of Chattanooga, USDA loans provide an affordable pathway to homeownership in Tennessee’s rural and suburban communities. Let our local experts guide you through the process.

USDA Loans in California

While California is known for its bustling cities, many areas qualify for USDA loans. From the rolling hills of Northern California to the suburban regions outside Los Angeles, USDA loans make owning a home more accessible for eligible buyers.

Why Choose First Capital Mortgage for Your USDA Loan?

At First Capital Mortgage, we specialize in USDA loans and are committed to helping you achieve your homeownership goals. Our experienced team will ensure you understand your options and guide you through every step of the USDA loan process.

Get Started Today

Ready to explore your USDA loan options? Contact us to see if you qualify and begin your journey to homeownership. Call (865) 444-8422 or email us today for a free consultation.

FAQs About USDA Loans

Have questions? Visit our FAQ section or reach out to our team for personalized assistance.