USDA Loans
in Los Angeles

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While applying for a home loan in Los Angeles, you might think to look into popular government-insured programs like FHA loans. But have you thought about applying for a USDA home loan?

What is a USDA Loan?

USDA loans are insured by the US Department of Agriculture (USDA). Originally, the USDA loan program was called the “Rural Development Guaranteed Housing Loan” program. Because a USDA loan is backed by the government, lenders are able to offer you amazing advantages that you would not get with conventional financing. You could even move into an LA home with zero down.

Applying for a USDA loan in Los Angeles might sound odd. Los Angeles is home to around 4 million people after all, and practically defines “sprawl.” How could you qualify for a rural housing loan? Well, it all comes down to the fact that what “rural” means to you and what “rural” means to the USDA are not necessarily the same.

According to the USDA, if an area’s population is no more than 35,000, it is “rural,” even if you might think of it as “suburban.” That means that there are areas near LA where you may qualify for this type of loan and be able to reap the benefits.

Los Angeles USDA Loan Benefits

With a USDA loan, you may be able to move into a new home in Los Angeles with zero down payment.

You can look forward to paying a low, fixed mortgage rate.

Your closing costs should be low compared to what they might be for a corresponding conventional loan.

Credit qualifications are flexible, so you can still qualify for all these great benefits even if your score is not perfect.

While you may need to purchase private mortgage insurance (PMI), discounts on your premiums may be available.

Whether you want to buy an existing home, build one, make repairs or upgrades, or even buy land for a future home, a USDA loan can provide you the affordable financing you need.

Are You Eligible for a Los Angeles USDA Loan?

To qualify for a USDA loan in LA, you must meet these requirements:

You need to be a legal resident of the US.

USDA loans do carry income caps, so your income will need to fit under those limits.

You need to be shopping for a home which is in a “rural” location. This is according to the USDA’s definitions.

Your intended house must be a maximum of 2,000 feet.

There are additional considerations for the house as well in regards to your finances which may be taken into account.

What Our Clients Say

Joshua Barton
Joshua Barton
16:05 23 Nov 19
I have had the pleasure of working with Shannon for 8 years - her knowledge of the mortgage process and attention to clients is unparalleled. The Los Angeles market can be tricky with high dollar homes and unique income of the Entertainment Industry, but Shannon takes charge and leads everyone through to successful closings like clock work - cannot recommend her enough a true Rock Star in Mortgage world.read more
Lauren S
Lauren S
04:52 18 Oct 19
Working with Shannon was a real pleasure. She was always available and got back to me promptly with any necessary information. I was able to refinance my mortgage at a rate considerably lower than another larger company quoted who I had started working with. I look forward to working with Shannon again and I highly recommend her to anyone looking for a competent and decent mortgage broker.read more
Mike White
Mike White
02:15 27 Sep 19
As first time home buyers we had no idea what we were doing. We were pre-approved by a well known company but quickly discovered that we absolutely did not want to work with them for the actual mortgage. Shannon was recommended to us by a friend and I called on a Saturday morning. By Saturday evening we were well on our way to buying a house (we closed three days ago!). Shannon made navigating these foreign waters so easy, answering all of our newbie questions with patience and grace. Plus she got us a fantastic rate. We are so grateful for Shannon and can not recommend her enough. WE OWN A HOME!!read more
Alaine Smith
Alaine Smith
13:15 26 Sep 19
It was wonderful working with Shannon! She is attentive, thorough, and intelligent. It was easy to communicate with her because she took time to hear and understand my goals and always responded quickly. I highly recommend her to anyone looking. The customer service she provides exceeds expectations by a long shot! Thank you, Shannon, for all your help!read more
Julie Mckay
Julie Mckay
17:20 28 Aug 19
I just purchased my first home! Shannon and her team were truly a dream to work with. I was never left in the dark and she was always quick to respond with all of my questions. My experience couldn't have been easier. I highly recommend Shannon and would use her again in a heartbeat! She is the BEST!read more
jojo quijada
jojo quijada
19:55 27 Aug 19
I've been in the real estate business for over 5 years now, and I always trust Shannon to work with my clients. She and Josh are an AMAZING TEAM! Buyers love to work with Shannon as she gets things done asap and answer any and every question/concern. I couldn't recommend a better person for lending. Can't thank her enough!!read more
Rotimi Ayanbeku
Rotimi Ayanbeku
20:12 15 Aug 19
I always go back to Shannon because she is one of the best in the business! I've worked with Shannon over the years, however, she outdid herself in my last deal. She was so professional, caring and effective that my clients were comparing everyone else in the deal to Shannon. More importantly, we were ready to fund in less than two weeks. Once again, Shannon affirmed my belief in her that she always rises to the occasion. Thank you for being the best!read more
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Apply for a USDA Home Loan in Los Angeles Today

Ready to find out whether you might be eligible for a USDA loan in LA with zero down payment and a competitive interest rate?

I would love to help you go over your qualification details and assist you in applying for a USDA home loan.

If you are ready to begin, please call me today at (818) 601-2231 to schedule your consultation. You could soon be moving into a Los Angeles home with zero down payment.

Get Started Today