If you’re dreaming of homeownership outside the city, a USDA loan might be the perfect fit. With no down payment required and flexible credit terms, CLG helps you understand USDA eligibility and financing options, so you can move forward with clarity and confidence.
We believe the path to homeownership should be accessible—regardless of where you live or how much you’ve saved for a down payment.
A USDA loan is a government-backed mortgage option that helps low- to moderate-income buyers purchase homes in eligible rural and suburban areas. With no down payment, competitive interest rates, and reduced mortgage insurance costs, it’s one of the most affordable loan programs available for those who qualify.
USDA loans are ideal for buyers who meet income and location requirements. At CLG, we walk you through the USDA loan process to determine your eligibility and guide you toward the best path forward.
To qualify for a USDA loan in California, borrowers must:
Purchase a home in a USDA-designated rural area
Meet income limits based on household size and location
Have a stable and dependable income
Use the property as a primary residence
CLG uses a personalized approach to check your eligibility using the most current USDA maps and income guidelines so you’re never guessing.
We’re not just another mortgage provider—we’re a trusted partner who knows California lending inside and out. Our team provides:
One-on-one consultation to confirm USDA loan eligibility
Customized loan strategies to fit your financial goals
Step-by-step guidance from pre-approval to closing
Fast answers, transparent advice, and personalized service
Yes. USDA loans are one of the only loan programs that allow qualified borrowers to finance 100% of the purchase price.
While USDA doesn’t set a minimum score, most lenders prefer at least a 640 credit score to streamline approval.
Many communities outside metro hubs like Fresno, Bakersfield, and even parts of Sacramento qualify. We’ll verify your target area during your consultation.
We believe California families deserve a trusted advisor who understands rural lending, not just generic mortgage advice.
Take the first step toward homeownership with no down payment. Our team will help you determine your eligibility, explore property locations, and secure your USDA mortgage with confidence.
