Our Programs & Products

  • Conventional fixed and adjustable rate mortgages
  • Interest Only Loans
  • No Closing Cost Loans
  • No PMI Loans
  • FHA including 203k
  • VA
  • Low Fixed Rates
  • First Time Homebuyers
  • Relocation Mortgages
  • Credit Improvement Counseling
  • Fannie Mae Homestyle
  • Home Improvement Loans
  • Investor Loans
  • Farm Loans
  • Home Equity Financing
  • CEMAs for Refinancing
  • USDA
  • Jumbo Loans
  • Renovation/Rehabilitation
  • Construction Loan
  • Debt Consolidation Refinances
  • HARP and HASP Refinances
  • Streamline FHA refinance
  • Appraisal Waiver
  • DU Refi Plus
  • Fannie Mae Homepath
  • Fannie Mae High Balance
  • No Equity Refinance
  • 5, 8, 10 & 11 year mortgage
  • Fannie Mae
  • Freddie Mac
  • Reverse Mortgage

USDA Loans

USDA Loans are guaranteed through the U.S. Department of Agriculture, USDA Rural Development loan program. Through the USDA loan program homeownership opportunities are available to millions of American Families in rural communities and areas just outside of major metropolitan areas.

The USDA Rural Development loan program offers first time homebuyers and move-up buyers the following benefits:

  • No money down USDA Loans, making the USDA Loan the only 100% financed mortgage available to everyone
  • USDA Loans monthly mortgage insurance premiums are 73% lower than a comparable FHA Loan
  • USDA home loans offer flexible credit requirements
  • The USDA program only offers a safe, secure 30 year fixed rate mortgage
  • USDA Loans have no maximum loan amount
  • Very little out-of-pocket closing costs allowed on a USDA loan. Closing fees can be financed if the appraisal allows
  • Most property types allowed so long as they are located in a USDA Rural Development area

The USDA Rural Development loan program is designed to assist moderate income families achieve homeownership in rural communities through the USDA loan program. Qualifying guidelines for the USDA Loan require:

  • The property be located in a designed USDA Rural Development area
  • USDA Loans require that the property be in "move-in" condition
  • The land value on a USDA loan must be less than 30% of the appraised value and not sub-dividable
  • Household income not exceed USDA Loans maximum income guidelines based on family size
  • All borrowers on a USDA loan must be credit qualified

"Thank you again for all your help throughout this process, and for facilitating a refinance that benefits us in so many ways (i.e., lower monthly payment due to the significantly better interest rate, cash out, getting my parents off our original deed/title, etc.)!!! You walked us through what can often be a daunting and arduous task in a painless manner, and you certainly led us to a rewarding result!! If you don't already, you should start running seminars on how to conduct the mortgage business! :-)"

—P and L, Schenectady

 

 

 

 

 

646 Plank Road, Suite 102 Clifton Park, New York 12065

518.982.0480 | Office
518.982.0483 | Fax

NMLS# 872824