The USDA mortgage is a powerful loan option that offers benefits such as no down payment requirement, easy qualification criteria, and the ability to use gift funds for closing costs. It was designed to encourage homeownership in rural areas and offers insured financing through the US Department of Agriculture. There are eligibility standards around location, income, credit, and dependents that determine qualification, so working with an experienced lender is important.

1. A Powerful Loan Option
• No down payment required
• Easy qualification criteria
• Can use gift funds from family or non-family members to pay for closing costs
• Not limited to first-time homebuyers
Contact Sierra Pacific Mortgage to see if the property you wish to purchase meets
the terms of eligibility for a USDA loan. I look forward to hearing from you.
The benefits of a USDA mortgage
Here at Sierra Pacific Mortgage, our goal is to find solutions that help you properly manage the cost
of homeownership. One of the most powerful loan options on the market today is a USDA mortgage.
The Single Family Housing Guaranteed Loan Program (as it’s more formally known) was designed to
encourage homeownership in rural and underdeveloped areas of the country. Insured by the US
Department of Agriculture, USDA loans offer a number of important benefits:
Note: There are eligibility standards that determine qualification for a USDA loan. This includes the county and zip code the home is located in, current
income and credit history, and the number of dependents claimed. Because these guidelines are very specific, it is important to work with a company
that has experience dealing with USDA government financing to help determine eligibility.
Jenny Montoya
1248181
Sierra Pacific Mortgage Loan Officer
3 Corporate Park #210 Irvine, CA 92606
jenny.montoya@spmc.com Office:
949-870-4008 Cell: 714-468-7549
LENDER
EQUALHOUSING
© 2016 Sierra Pacific Mortgage Company, Inc. NMLS ID #1788 (www.nmlsconsumeraccess.org). CA DBO/RMLA 417-0015 (10/15)