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Reload this Page USDA Loan, What was your experience
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The Sandbox - Houston The Sandbox is a collection of off-topic discussions. Humorous threads, Sports talk, and a wide variety of other topics can be found here. If it's NOT an adult-themed topic, then it belongs here

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Old 10-11-2025, 04:24 PM   #1
Busty
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Default USDA Loan, What was your experience
I have never done a USDA loan but have read about it extensively and my curiosity is getting someone's perspective that's actually been through the whole process.
Thinking about using this route for a house.
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Old 10-11-2025, 05:55 PM   #2
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Well, you have to buy in a qualifying area and they will pull a full credit check. Note that a USDA Loan is actually only a guarantee on top of a local banks mortgage loan. But they get approved frequently.
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Old 10-15-2025, 01:09 PM   #3
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I used it when I bought my property so that I could roll closing cost into the loan. I brought 0 dollars to closing.
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Old 10-15-2025, 02:03 PM   #4
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^ did it take a long time & do they roll the insurance into the loan?
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