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UPDATE – USDA Loans for Teachers in Florida, Texas, Tennessee, and Alabama!

October 14th, 2022 by usdaadmin

USDA Loans for Teachers in Florida, Texas, Tennessee, and Alabama! Can a teacher qualify for a USDA loan if they are changing school districts?

In today’s video, I will explain how teachers and other professions may be able to qualify for a USDA loan after a contract has been signed, but before a pay stubs has been received!

Also, if you have not yet done so, feel free to download our newest “USDA Blueprint” with the link below. This free guide is designed to help walk you through the USDA process step-by-step and is a great educational resource for both homebuyers and their Realtors alike.

USDA Loans for Teachers in Florida, Texas, Tennessee, and Alabama!

How does a teacher qualify for a USDA loan when changing school districts?

There can be tremendous excitement after one has accepted an offer to start a new position, but many times that quickly turns to frustration when trying to coordinate moving, purchasing a home, preparing for the first day on the job, and when the first pay date will be received in order to verify income.

Fortunately, we have worked with these situations before and are able to confirm that USDA guidelines offer flexibility for certain professions where employment is accompanied by a signed offer letter/employment contract along with meeting other terms.

In situations where an applicant is moving to a new employer and has a contract or offer to start employment within 60 days of loan closing, USDA guidelines will permit this scenario to be eligible provided the underwriter determines the applicant has reserves available after loan closing to cover all monthly liability payments and the new mortgage obligation until employment begins.

An example of this situation would be a teacher changing school districts who is staying within the same profession where we are able to document both current and previous employment.

USDA Guidelines

Lastly, because USDA guidelines will require at least one year of employment history in order to use base wages, previous employment history will also need to be verified.

It is common for us to receive questions regarding USDA loans for teachers. However, provided certain requirements are met, it can be possible for a teacher to qualify for a USDA loan if they are changing school districts and also be able to close on a home once a teaching contracts has been signed but before their first pay stub has been receivedTampa FL USDA Approved Lender List #1 Ranked.


The USDA loan can be very powerful, but make sure you are working in actual USDA Approved Lender that has a proven track record of success to help maximize the benefits of this great program.

As a USDA approved lender, we are here to help. Just call or email to discuss your scenario and let us show you the “Metroplex” difference!


(800) 806-9836 x280
Call/Text: 863-593-2001


Click here to download our USDA Blueprint for Success!

Tampa FL USDA Approved Lender List

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