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USDA

RURAL DEVELOPMENT

GUARANTEED RURAL HOUSING PRODUCT MATRIX

CREDIT

  • No minimum credit scores - see restrictions if credit risk score is below 620
  • 1 X 30 permitted in last 12 months with explanations – Exceptions may be granted if your borrowers have 620 or greater middle credit scores
  • Chapter 7 and 13 must be discharged for 3 years – Foreclosures must be completed 3 years ago – Exceptions may be granted if your borrowers have 620 or greater middle credit scores
  • Collections - Accounts cannot have been placed  in collection status within the last 12-months  – Exceptions may be granted if your borrowers have 620 or greater middle credit scores. Collections May not need to be paid off.
  • Judgements - Must be paid off for at least 12 months 
  • If the applicant’s middle credit score is under 620 a VOR is required for the most recent 12 months.
  • Previous Housing History is Not required
  • Non-Traditional Credit is Acceptable if no credit is available
  • Tri-Bureau merged

certain restrictions apply to all credit guidelines

 

 USDA Home    Program Benefits   Income & Ratios   Funds For Closing    Property Requirements

 

 

  APPLY ON LINE TODAY



1st Metropolitan Mortgage - 4608 Hwy 49 South - Harrisburg, NC 28075
Office Phone: (704) 490-4733 Fax: (704) 454-5660 Cell Phone: 704-796-5440
Toll Free Phone: 1-888-327-8657


We are Licensed in the following states: NC and VA

We can also write FHA, VA and Reverse Mortgage Loans in SC

Click here for Licensing information

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