7014 East Camelback Road B100A,

Scottsdale, AZ 85251

Go rural, live grand: Explore the potential of Mann Mortgage’s USDA loans!

The BEST way to make rural living affordable, enabling more purchases in these special areas with $0 down.

What are USDA RD home loans?

For individuals in Tempe, Phoenix, Paradise Valley, seeking effective financial solutions for their homeownership dreams, the USDA Loans offered through our Scottsdale South Office provide a valuable avenue. This comprehensive guide aims to equip you with the essential knowledge about USDA Loans, empowering you to navigate the borrowing process confidently.
Man rubbing dogs belly

Not sure where to get started? That's okay too, we're happy to meet you where you're at and direct you to the right place or person.

USDA RD loans at a glance.

  • USDA Loans are tailored for properties located within designated rural and suburban areas, making them an attractive choice for those desiring a peaceful residential environment.
  • A notable feature of USDA Loans is the ability to secure a mortgage without the need for a down payment, significantly reducing the initial financial hurdle.
  • Recognizing the diversity of credit histories, our Scottsdale South Office often extends USDA Loans with lenient credit score prerequisites, broadening eligibility.
  • To ensure that the program benefits those genuinely in need, USDA Loans incorporate income limits tied to the area’s median income.
  • USDA Loans carry a guarantee fee and an annual mortgage insurance premium, though these fees are generally more affordable compared to other loan types.

Understanding the USDA Loan Process in the South Scottsdale Office:

Start by engaging with our Scottsdale South Office for a prequalification assessment, evaluating your financial status and determining your potential loan capacity.

Research properties located within the specified rural or suburban zones that meet the criteria for USDA Loan eligibility.

Submit a comprehensive loan application, providing necessary documentation for thorough evaluation, including income verification, credit history, and pertinent financial details.

The Scottsdale South Office rigorously reviews your application, assessing factors such as creditworthiness, income stability, and property eligibility.

Upon approval, proceed to the loan closing phase, finalizing the loan agreement by signing pertinent documents.

Applying for a home has

never been easier

Our quick and secure process takes less than 10 minutes to apply.

Learn more about

USDA RD loans

No, USDA Loans are expressly designed for properties located within designated rural and suburban areas.
The absence of a down payment expedites your homeownership journey without the burden of a substantial upfront cost.
The Scottsdale South Office assesses your income relative to the area’s median income to determine your USDA Loan eligibility.
While USDA Loans entail a guarantee fee and an annual mortgage insurance premium, these fees are generally lower compared to other loan types.
Yes, the USDA offers refinancing options for eligible borrowers seeking to transition their existing loan into a USDA Loan.
The USDA Loans facilitated by our Scottsdale South Office offer a promising avenue for potential homeowners in Tempe, Phoenix, Paradise Valley, and neighboring areas. By absorbing the core features, application process, benefits, and limitations of these loans, you’ll be well-prepared to make an informed decision about utilizing this financing option to achieve your homeownership goals.

“Helped me out a getting USDA loan when another business told me I couldn't get one! Thanks for always keeping in touch with me during the whole process!”

Coby B.

Let's get you home.

100% financing with low closing costs for homes in eligible rural areas. Our local loan experts will help guide you.

If you have a loan officer you are working with, please select them from the list below.