Credit Scoring 1-2-3 Webinar Direct Access Replay / Unlock the Secrets of Credit Scoring for homebuyers and Realtors!

USDA Credit Qualifying | Posted on June 9, 2023 at 10:13 pm by Sean Stephens

Unlock the Secrets of Credit Scoring for USDA Loan qualifying in Florida, Texas, Tennessee, and Alabama! Realtors and homebuyers both know that the credit scoring process plays a significant role in the qualifying process. A buyer’s creditworthiness can determine their
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How can a “Mortgage Trigger Lead” affect your Loan Application?

USDA Credit Qualifying | Posted on April 28, 2023 at 10:05 pm by Sean Stephens

How can a “Mortgage Trigger Lead” affect your Loan Application in Florida, Texas, Tennessee, or Alabama? Most likely, you’ve probably never heard of the term “mortgage trigger lead”, but as a homebuyer or Realtor, it is important to know the
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Improved USDA Guidelines on Student Loans

UPDATE: USDA Student Loan Guidelines for Calculating Monthly Payments

Front Page | USDA Credit Qualifying | Posted on February 24, 2023 at 12:00 pm by Sean Stephens

What are USDA Student Loan Guidelines for Calculating Monthly Payments? How can the updated USDA Student Loan Guidelines help you purchase a home in Florida, Texas, Tennessee, or Alabama? As many of us know, student loan debt can have a
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USDA loan credit requirements for a USDA Loan after Chapter 13 Bankruptcy in Florida, Texas, Tennessee, & Alabama

Part 4 – USDA Loan Credit Requirements: USDA loan after Chapter 13 Bankruptcy

USDA Credit Qualifying | Posted on August 26, 2022 at 11:41 am by usdaadmin

How do you qualify for a USDA loan after Chapter 13 Bankruptcy? What are the USDA Chapter 13 Bankruptcy waiting periods? Last week we spoke about how to qualify for a USDA Loan after Chapter 7 Bankruptcy. While today’s topic
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USDA Loan Credit Requirements: USDA Loan after Chapter 7 Bankruptcy in Florida, Texas, Tennessee, and Alabama

Part 3 – USDA Loan Credit Requirements: USDA Loan after Chapter 7 Bankruptcy

USDA Credit Qualifying | Posted on August 19, 2022 at 12:28 pm by usdaadmin

How do you qualify for a USDA Loan after Chapter 7 Bankruptcy in Florida, Texas, Tennessee, and Alabama? What are the USDA Chapter 7 Bankruptcy waiting periods? In Part 1 of our series on USDA Loan Credit Requirements we discussed
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USDA Loan Credit Requirements: Can rapid rescoring help if your USDA loan was denied due to credit score in Florida, Texas, Tennessee, or Alabama?

Part 2 – USDA Loan Credit Requirements: Can rapid rescoring help if your USDA loan was denied due to credit score?

USDA Credit Qualifying | Posted on August 12, 2022 at 8:43 pm by usdaadmin

USDA Loan Credit Requirements: Can rapid rescoring help if your USDA loan was denied due to credit score? In Part 1 of our series on USDA Loan Credit Requirements we discussed USDA credit score guidelines and additional minimum credit score
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Part 1 – USDA Loan Credit Score Requirements: Is there a USDA Loan Minimum Credit Score?

Front Page | USDA Credit Qualifying | Posted on August 5, 2022 at 7:34 pm by usdaadmin

Part 1 – USDA Loan Credit Score Requirements: Is there a USDA Loan Minimum Credit Score in Florida, Texas, Tennessee, or Alabama? When qualifying for a mortgage, everybody knows that your credit scores are critical, but depending on the loan
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What are the USDA loan requirements for individuals with little to no credit history?

Front Page | USDA Credit Qualifying | USDA Loans | Posted on April 8, 2022 at 10:00 am by usdaadmin

What are the USDA Loan Requirements for Individuals with Little to No Credit History? There are USDA loan requirements for those that have little to no credit history to qualify for a USDA loan. If a homebuyer does not have
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USDA Guidelines in Florida, Texas, Alabama, and Tennessee

How long does it take to qualify for a USDA loan as a recent graduate?

Front Page | USDA Credit Qualifying | Posted on March 25, 2022 at 10:23 am by

How long does it take to qualify for a USDA loan as a recent graduate? If you have recently graduated, you may be wondering how long it takes to qualify for a USDA loan as a recent graduate. Unfortunately, we
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Can you qualify for a USDA Loan after forbearance?

USDA Credit Qualifying | Posted on October 15, 2021 at 10:34 pm by usdaadmin

Can you qualify for a USDA Loan after forbearance? How long do you have to wait after forbearance to qualify for a USDA loan? This week’s topic is especially timely due to the many homeowners who are exiting their COVID-19
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USDA Loan Calculator

Use This Calculator To Help Stay Within Your Budget:

Purchase Price

Loan Term

Interest Rate

Annual Taxes

Annual Insurance

Financing: 100%

Purchase Price with
1% Guarantee Fee

Principal & Interest

USDA Premium

Total Estimate

*Taxes and Insurance can vary from property to property.
Note: This USDA Loan calculator is for estimating purposes only and is neither a Loan Estimate or Commitment to Lend. Minimum credit conditions will apply on all loans.

Zillow Reviews

5 stars on 12/3/2023

Sean was very professional and informative with any and all questions I had during this process. A VA loan comes with many expected and unexpected challenges.

5 stars on 9/23/2023

Sean was Extremely helpful throughout the entire process. We were doing the entire process from a different state, so we needed to do everything online. This worked out wonderfully for us, and we closed on time.

5 stars on 9/18/2023

Sean and his team got me preapproved and under contract in less than 24 hours and closed within 30 days. They guided me through each step and responded quickly to every inquiry! They helped turn a dream into reality!

See all 284 Reviews on Zillow

Sean A. Stephens, CMB®