Tempe USDA Home Loan

Do you feel more at home surrounded by open spaces than miles of pavement? But are you limited by income and worried you wouldn’t qualify to purchase a home in a rural community in the Tempearea? You might be able to benefit from one of the government’s least-known mortgage assistance programs, a USDA home loan.

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Your Guide to USDA Home Loans

Who It’s For

A USDA home loan program offers no down payment, low-interest rate mortgages for those with income at or below the low income level in the rural community where they wish to live.

The Benefits for Tempe-Area Home Buyers

No Down Payment

No Down Payment

USDA loans don’t require a down payment, one of the biggest barriers for hopeful home buyers.

Flexible Credit Guidelines

Flexible Credit Guidelines

The minimum credit score you’ll need is 640, although getting approved with a lower credit score is possible.

Lower Fixed Interest Rate

Lower Fixed Interest Rate

USDA home loans, backed by a government guarantee, offer below-market interest rates.

Closing Costs Financed Into the Loan

Closing Costs Financed Into the Loan

You can take out a bigger loan amount to pay for closing costs with a USDA home loan.

Eligibility Requirements

  • Property must be located in an eligible rural area
  • Borrower must be a U.S. citizen, non-citizen national, or qualified alien
  • Borrower must meet low income requirements
  • Borrower must live in the home as a primary residence
  • Borrower demonstrates the ability to meet credit obligations


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Here’s Why We Do What We Do

We would like to thank Jeff Aguilera for the time and knowledge he provided my wife and I with a very smooth transition in the purchasing of our house. Our real estate agent Emily suggested we go with Jeff and he did not disappoint. So thank you very much, again Jeff. It was a true pleasure working with you.
Greg & Susan

Why Right Start Is the Right Choice

Personalized Experience

Personalized Experience

We take the time to get to know you and your goals, then help you every step of the way.

Easy Loan Process

Easy Loan Process

Close your loan in five easy steps—from finding out how much you can borrow to signing the final documents.

Family Owned & Operated

Family Owned & Operated

We take a personalized approach with every client and have built a loyal ‘fans for life’ following.

Experts Since 1989

Experts Since 1989

With 30+ years of experience, we know what we’re doing, and we believe in transparency, trust, and excellent customer service.

Get to Know Us

We’re a family-owned and operated company with a solid team of qualified and enthusiastic mortgage specialists committed to personalized, individual service for each client. We educate, communicate, and are transparent about the loan process to make the experience as smooth as possible.

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Other Loan Programs


FHA loans are backed by the Federal Housing Administration and are especially popular with first-time home buyers.


VA loans offer great benefits, such as low interest rates and no money down, for active-duty military members, veterans, or sur viving spouses.


Private lenders offer conventional loans designed for those with good credit scores and a low debt-to-income (DTI) ratio.


USDA loans are designed for those interested in purchasing an affordable home that’s located in a rural area.


Some homes are priced above conventional conforming loan standards, and that’s where the jumbo loan comes in.

Get in Touch With Our Team

We’re happy to connect with you and answer any questions you might have. Reach out today!