HomeVantage Mortgage in Holland, Michigan can help you learn the requirements for USDA loans and determine your eligibility. USDA loans are loans issued by the government, and often issued to those in rural areas, small communities and some areas just outside major metropolitin areas.
Call Adrian Tavolacci's team at 616-298-2743 to check your eligibility for a USDA loan.
What is a USDA Loan?
USDA home loans, also known as rural development loans, are loans issued by the US goverment. To help families who may not quality for convential loans or have the same lending options as those in larger cities, the US government issues these loans through approved private lenders.
With a USDA loan, the family can borrow up to 100% of the home's appraisal, meaning no down payment is needed. The loan is set for a 30-year fixed rate home loan, and requires no mortgage insurance.
A USDA loan is a great option for families in smaller communities trying to find a way to buy a house.
To see if you pre-qualify for a USDA loan, contact Adrian Tavolacci today at 616-298-2743.
Who is eligible for a USDA Loan?
According to USDA, to be elibible for a USDA loan, you must:
- be a US Citizen, a US Non Citizen National or have a qualified Alien status
- be at least 18
- not own another house in the local area
- occupy the home as your primary residence
- be unable to get conventional loan that requires a 20% down payment
Income Guidelines for USDA Home Loans
There are income guidelines for USDA loans that vary by the area in which you're applying for the loan. To learn the guidelines for your desired area, please contact us at 616-298-2743 or email Adrian Tavolacci!
How do I apply for a USDA Loan?
HomeVantage Mortgage in Holland, Michigan is an approved lender and can help you secure a USDA loan. USDA loans are offered by lenders such as LeaderOne Financial who meet federal guidelines on lending.
To determine if you pre-qualify for a USDA Loan, please complete our form online or call Adrian Tavolacci at 616-298-2743.
You have truly been a pleasure to work with! Everything from the start of the loan to the finishing touches was done with quick and easy access. All emails and phone calls took less than 24hrs to return. I will continue to refer anyone and everyone I know looking to buy your way! It's extremely convent when loans go smoothly and closing happens on time! Thank you for your hard work and your dedication towards our loan. It's all very much appreciated from us! Thank you!!
My husband and I will be referring everyone and anyone to this team hands down. Between them and our amazing Realtor as well this was a very good experience, especially being first time home buyers. Matt was hands down very professional and also very above and beyond patient, kind , and easy to take a moment to explain anything we needed. We will be always using this team and our realtor for any other future new homes as well. THANK YOU GUYS!!!!!
We have worked with Adrian and his team to purchase two homes and have never been dissatisfied. The team is fast and effective. They really do make the home buying process a piece of cake! 10/10 - Highly Recommend!
Adrian and his team went above and beyond with our less than easy breezy home purchase. So thankful to have gone with such a helpful mortgage company to see ya through this process! 5 stars!
After being disappointed by multiple lenders, we were beginning to lose hope. Just when we were about to throw in the towel, I stumbled on Adrian while scrolling through Facebook. Adrian and his team went out of their way to make sure we got the best available loan. They were helpful, precise, and informative. They were patient and promptly responded to any questions we might have. Buying a home is stressful enough as it is, do yourself a favor and choose someone who is knowledgeable and always looking out for your best interest. We can’t thank you enough for all of your hard work and dedication in helping us secure our new home!
As a Realtor my lender partners are a vital part of every transaction. Adrian and his team go above and beyond with every transaction. When I represent a buyer I often get emails from the sellers agent telling me how on top of it Adrian and his team are with keeping them updated. They treat my clients with the upmost respect and walk them through the process step by step!
Adrian and his team are top notch. They get the ball rolling and stay on top of everything until they get the job done. Very thorough and efficient. They are smart and innovative. Terrific at finding the right solution to improve your situation. Great use of technology and just good people. Will recommend!
We have worked with Adrian and his team to purchase two homes and have never been dissatisfied. The team is fast and effective. They really do make the home buying process a piece of cake!
Adrian & his team walked with us every step of the way!! They kept us very informed, which was very important to us! We had some hiccups (no fault of theres)...but they hung with us ...and we closed this past Friday! 🎉. Highest recommendation!
Adrian did a fantastic job helping us through the loan process, up until we met him..the VA process was a joke..we were very discouraged..he came to the rescue and was able to sort thru everyone elses messes and deliver us to closing..Thanks Adrian!!
Adrian has been wonderful to work with since day one! He helped us when we purchased our first home and again when we refinanced our mortgage. I have sent him countless emails on nights and weekends, fully expecting a response the next business day. He always gets back to me within an hour. I have even emailed him months after closing with questions and he is always willing to help in whatever way possible.
Adrian and his staff went beyond my expectations. Every step of the process was handled with professionalism and on a personally level as it pertained to my refinancing of my home. They took all my concerns and questions and answered them all in a timely manner. There were a few set backs, however, I was very comfortable with how they were all handled. I was always kept in the loop as what step of the process the loan was going through and what to expect next. I had several question throughout the whole process and never once did I feel like I was bothering Adrian and or his staff, he always said call anytime you have a question. I was very satisfied with the end result. Adrian and his staff rock and it was a blessing working with them.
Adrian was an amazing Mortgage agent. He aggressively looked for options that reduced our costs and explained each option and program throughly. I was particularly impressed with the regular and consistent updates Adrian did via email. When I called him he answered or person who was well informed and helpful. I'll 100% return to Adrian for future financing needs.
Adrian went above and beyond my expectations as a lender and as a person who cared about my needs and wants. He made sure I knew what was going on at all times and made sure I was connected with a great realtor. Thank you Adrian!!
Adrian gave me the steps I needed toward fixing our sketchy financials in order to make preapproval and I look forward to working with him when we are ready to buy!
Adrian was amazing to work with. I was a first time home buyer & he was great every step of the way. He took the time to explain things to me, answer every question I had and made sure I understood what was going on. Adrians communication was wonderful, always called me back in a quick manner, even after office hours. I appreciate everything Adrian & his team did for me & I would highly recommend Adrian!