USDA Loan Eligibility


The USDA loan is part of a federal program that supports rural development. If you’re buying a home in a rural area, make sure to check with me to determine if you’re eligible for a USDA loan. The USDA loan requires ZERO down payments – which is almost unheard of these days.

Other benefits to the USDA loan includes a 30-year fixed interest rate – meaning the rate will not adjust over its lifespan. Also, no mortgage insurance is required on a USDA loan.

If you’re eligible for a USDA loan, this is a great route to financing. Below are some eligibility requirements:

  • Rural area
    You must purchase property within an eligible area. To determine if you’re eligible, check out the interactive map on the
    USDA’s website or call my office at 404-933-9089.
  • Income requirements
    There is an income limit that is set for your county – you must not exceed that in order to be eligible. Some of the factors that go into determining include:
    • Your county
    • The total number of people in the household
    • The number of residents under age 18 (or disabled or full time students)
    • Your age
    • The number of disabled persons in the home
    • Your monthly expenses versus your income
  • Credit history
    This works differently than a credit score – your credit history will be reviewed to determine if you appear to be someone able to repay the debt and not default on the loan.

Get started by calling us at 404-933-9089.

Sheryl took great care of us while we were purchasing our first home. She was always ready and able to answer all of our questions and kept us informed throught the entire process. We are so thankful that we had someone like her in our corner.

melissamblack45 on 2020-04-01

Sheryl was so helpful in every way! This was my first time buying a house and I had a million questions! She was so nice, professional and helpful! I would definitely recommend her to anyone!

erincurrul on 2019-08-08

I had a wonderful experience with Sheryl Nolan. She is great! Very quick the respond to question and always kept me in the loop of what was going on and how things were progressing every step of the way. Would recommend her to anyone and would use her again in the future if I need another home loan.

zuser20160108105828297 on 2018-07-01

My real estate agent referred me to Sheryl for a new home loan. Working with Sheryl made the entire loan experience so easy that I was amazed it all happened so fast. Sheryl is VERY detailed oriented and worked tireless to ensure everything was done correctly and so very professionally. I had very little experience in getting a home loan but Sheryl held me hand throughout the entire experience. She got me the best rate and I learned a lot from Sheryl. I would recommend her to everyone as she made my loan an enjoyable experience! She is honest and has a level of integrity that showed through with everything she did for me. Please use her as you won't be sorry!

tsheff0106 on 2018-07-01

Where do I begin! Sheryl worked SO HARD on our loan. We were not a normal mortgage and Sheryl took on the challenge and got us into our dream home. She was spot on getting back to my emails and calls right away. She even followed up after normal business hours just to make sure she checked in with me! I had no doubts in Sheryl's ability and will happily recommend her to all my friends and family!

joshhastydc on 2017-12-01

We truly enjoyed having Sheryl as our lender. We could ask her any questions and she was able to answer with a detailed, as well as, simplified response for us to understand...remember we were first time home buyers. She made everything very easy to understand and paperwork easy to access. She was available any time for questions, which is good because both my husband and I work full-time jobs. Needless to say she is the go-to lender. She gives real feedback and advise, overall great lender.

zuser20151106080611806 on 2017-08-01

Sheryl was an absolute joy to work with throughout the entire loan process. She was very responsive to all my questions prior to, and after I officially became a client. She is very knowledgeable about home loan products, and was able to recommend the best options for me based on my specific needs. Sheryl is a very effective communicator, and is really good at making complex loan processes/terminology easy to understand. I highly recommend her services!!

user1130198217 on 2017-11-01

Sheryl was a dream to work with. From day 1 she was in our corner fighting to find the right loan situation for us as new home buyers. She was always available to answer the multitude of questions that we had, calm any fears or soothe any anxiety. We were absolutely blessed to have her on our team during the home buying process.

user99367972 on 2017-09-01

Sheryl was fantastic to work with for buying our new home. She was always available to answer my questions and was a great partner throughout the whole process. I would definitely use Sheryl again for our next house.

AnnUitts Newlin on 2017-05-01

Sheryl was Amazing , it took the personal approach in assisting me with my home mortgage. She was very in detail , patient, understanding worked fast to get things done. Very efficient and personable !!! I would highly recommend Sheryl and use her again again In the future!!!! Sheryl was a GOD send

zuser20140513152644210 on 2017-07-01

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