U S D A and Rural Development Logos
  

                   | Home | Programs | Rates & Terms | Company | Apply |         

MINIMUM HOME REQUIREMENTS

 

USDA Rural Development no down payment home loans are available in every state.

Dwellings financed must be structurally sound, functionally adequate, and placed in good repair prior to loan closing. An existing dwelling certification must be completed by an appraiser or a home inspector to show the home meets RD's minimum home requirements. The thermal requirements are no longer required on RD loans.
Dwellings must be free of termites and other wood-infesting insects.  The inspection must be done by a licensed inspector.  Treatment is required to eliminate any infestation found, and any structural damage must be corrected.

 A report by the County Health Department for private water and water/waste disposal systems to assure there is an adequate supply of safe water, and the sewage disposal system is functional and poses no apparent health hazard.  Any deficiencies found must be corrected.

--- Other Requirements ---

  • Electrical Outlets must be grounded around water areas.
  • Roof must have at least 2 years remaining economical life.
  • House can not have any major exterior peeling paint.
  • Property may not have an in-ground pool.* 
  • Home may not be a manufactured home. (doublewide, singlewide)

                   

 

APPLY ONLINE OR CALL NOW TO QUALIFY

PHONE:  1- 800-845-0036

REAL PEOPLE & REAL ANSWERS*

* We feel that the world wide web platform is an effective and informative business tool but it cannot substitute for real people and personal service.  If you have any questions of any kind please feel free to call us for immediate direct answers.  

 

(800) 845-0036

Request a Call

 

      Home Buyers

      Apply Online 
      Loan Programs

      Rates & Terms

      Loan  Process
      Mortgage Terms
      Settlement Costs 
      Good Faith Estimate
      Application Checklist
      Why Buy?
      Mortgage Calculator
      Credit Bureaus
      Company
      Home Page
 

Equal housing Lender

 

peoplemailbox

 

 

© Copyright 2007

 Independence Mortgage Services, Inc.    HUD Approved Lender.   Privacy Policy