Eligible Arizona homebuyers have access to a great mortgage option called USDA Home Loan when looking to buy or refinance an eligible Arizona property.

An Arizona USDA home loan allows eligible borrowers to put $0 down on a home purchase  Two of the biggest differences between a USDA loan and other types of home loans is that the borrower must meet maximum allowable income requirements and the property must be considered eligible (property eligibility is based on property location).  See below for resources to determine both property and income eligibility.  Jeremy and The HOUSE Team can process and close your USDA mortgage quickly due to the fact that they process and underwrite all Arizona USDA home loans in house.

Contact The HOUSE Team today for a free USDA mortgage pre-qualification.  Team Phone: 602.435.2149   Team Email:  Team@JeremyHouse.com  Don’t forget about our float down program which helps you ensure the lowest USDA mortgage interest rate.

Major Benefits of an Arizona USDA Mortgage

  • $0 Down Payment Required
  • Flexible Credit Guidelines
  • Competitive Mortgage Interest Rate
  • No Pre–Payment Penalty

Basic Arizona USDA Mortgage Guidelines 

What can a USDA loan be used to finance?: Primary residences only

Maximum Loan Amount: Appraisal determines maximum USDA loan limit in Arizona

Down Payment Requirement:
0% of  the purchase price

Available Loan Terms: 30 year fixed mortgage

Is Monthly Mortgage Insurance Required? Yes

Income Eligibility Requirements: Yes – see USDA Income Eligibility Matrix

Property Location Eligibility Requirements: Yes – see  USDA Property Eligibility Matrix

Maximum Debt to Income Ratio: Contact us for more information

Are Seller Paid Closing Costs allowed: Yes – click HERE for more (closing costs may be rolled into the USDA loan if appraised value is high enough)

Are gift funds allowed? Yes – borrowers can receive gifts for down payment and closing costs


Jeremy and his team specialize in USDA home loans and can guide you through each phase of the Arizona USDA mortgage process.  The HOUSE Team can help you close your USDA loan on time without any surprises.

Contact us today! Team Phone:  602.435.2149  Team Email:  Jeremy@JeremyHouse.com

By Jeremy House