USDA LOANS IN ARIZONA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA ELIGIBILITY IN ARIZONA
Many areas in Arizona will qualify for a USDA Loan. Larger cities such as Phoenix and Glendale will not qualify for a USDA Loan due to their population, but many of the smaller suburbs for these cities are USDA Loan eligible.
To qualify for a USDA Loan, USDA Loan Underwriters will verify that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Arizona.
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Apache | $78,200 | $103,200 |
| Cochise | $78,200 | $103,200 |
| Coconino | $78,200 | $103,200 |
| Gila | $78,200 | $103,200 |
| Graham | $78,200 | $103,200 |
| Greenlee | $78,200 | $103,200 |
| La Paz | $78,200 | $103,200 |
| Maricopa | $78,200 | $103,200 |
| Mohave | $78,200 | $103,200 |
| Navajo | $78,200 | $103,200 |
| Pima | $78,200 | $103,200 |
| Pinal | $78,200 | $103,200 |
| Santa Cruz | $78,200 | $103,200 |
| Yavapai | $78,200 | $103,200 |
| Yuma | $78,200 | $103,200 |
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