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The #1 USDA Originator in the Nation 2014 & 2015 and Top Originator 2016!

Ricky Peacock at Home Solution Lenders is the #1 USDA Loan Originator in the nation.  We generated 45% of all USDA loans in the United States for 2014.  No other company has the expertise Home Solution Lenders can offer.  Let us work hard to get you the best loan possible.  

USDA home loans provide 100% financing for a home purchase in a USDA designated rural area.  The USDA home loan program extends many financial benefits to those who qualify including no down payment for the purchase of a home. USDA home loans also come with no monthly mortgage insurance, flexible credit guidelines, and low interest rates.  Call Home Solution Lenders or apply now to see which loan is the best for you.

USDA home loan eligibility is based on income eligibility and property location. By completing our application, one our specialists will be able to inform you on how much you can afford and what your estimated monthly payment will be.

USDA Guidelines (No overlays as we underwrite to USDA Guidelines)

  • 100% Financing
  • 580 Credit Score Minimum
  • 640 Credit Score (with AUS Approved allows Expanded Ratios up to 34/46)
  • Payoff of collection(s) not required (HB-1-3555 10.9 Guideline)
  • Manual Underwriting to 29%/41% Debt Ratios
  • All loans under 640 credit score, are required to meet 29%/41% Debt Ratios
  • 3 Years from Bankruptcy/Short Sale/Foreclosure (exceptions allowed)