Meet Your
Certified USDA Packager
As a certified 502 USDA Direct Loan Packager and a seasoned loan officer with over three years of experience under my belt, I have made it my mission to provide affordable home ownership opportunities to as many families as possible. I am dedicated to guiding families through the home buying process, making it as clear and stress-free as possible.
I am truly excited for you as you embark on this journey. This program is a fantastic opportunity and I am here to support you every step of the way.
Denese Major
U.S. Air Force, Retired
Jeremiah 29:11 (NIV)
For I know the plans I have for you, declares the Lord, "plans to prosper you and not to harm you, plans to give you hope and a future."
Our Values
502 USDA Direct Loan Program
Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants in acquiring decent, safe, and sanitary housing in eligible rural areas by offering payment assistance to enhance their ability to repay. Payment assistance, a form of subsidy, temporarily reduces the mortgage payment. The level of assistance provided is based on the adjusted family income.
The Benefits
If you're interested in owning a home but can't qualify for a mortgage from a private lender, consider a USDA Rural Development home loan. Here are the four major points about the program:
No Money Down*
*No down payment is typically required.
Low Interest Rates
As low as 1% to make homeownership more affordable.
Inclusive Financing
Includes closing costs for qualifying applicants and direct funding by the federal government.
Flexible Terms
Loan terms of 30, 33, or 38 years based on the applicant's household income, with 30-year term available for manufactured homes.