USDA100% LTV Rural Property Loans

LENDERLINE® is currently offering 100% LTV USDA loans for rural properties located in the State of California.

  • The property must be located in the State of California.
  • The property must be in a USDA eligible area, look up here.
  • USDA income limits apply, look up here.
  • 100% loan-to-value. Requires no down payment.
  • Closing costs may be paid by the seller up to 6% of the purchase price.
  • Closing costs may be gifted from an immediate family member.
  • One-time USDA guarantee fee may be financed.
  • Minimum credit score of 580.
  • Credit scores down to 550 possible with extenuating circumstances.
  • 3 non-traditional credit references required if borrower has no credit scores.
  • First-time homebuyers OK.
  • The borrower cannot own any other properties.
  • The property must be used as a primary residence.
  • Second homes and investment properties not allowed under this loan program.
  • W-2 wage earner or self-employed.
  • Single family residence, PUD, or HUD-approved condominiums allowed.
  • Working farms and 2-4 unit properties not allowed.
  • No reserve requirements.
  • Debt-to-income ratios cannot exceed 29/41%, or 32/44% with compensating factors.
  • Borrowers must be U.S. citizens or permanent residents with valid work authorization.
  • No foreign nationals or undocumented ITIN workers are allowed under this program.
  • 30-year fixed rate.

To download underwriting guidelines
for our USDA 100% LTV rural property
loan program:

To download a loan application
for our 100% LTV USDA rural property
loan program:

LENDERLINE® is your 100% LTV USDA lender of choice. 100% LTV USDA loans are our specialty. USDA mortgages allow you to purchase rural properties for no money down.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.

    Edwin D.

    Los Angeles, CA

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