USDA Loans in North Carolina

USDA LOANS IN NORTH CAROLINA
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 LOAN ELIGIBILITY IN NORTH CAROLINA
In North Carolina USDA Loans have flexible underwriting guidelines, the ability to use alternate trade lines, and less than perfect credit is accepted. To qualify for a USDA Loan, the home you wish to purchase must be located in an area approved by the USDA Loan program. These areas typically have populations off less than 35,000 people, so a large city like Charlotte will not qualify for a USDA Loan. However, many of the surrounding cities will have home eligible for a USDA Loan.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure 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 North Carolina.

Income Limits for USDA Loans in North Carolina

County Name Family Size 1-4 Family Size 5-8
Alamac $78,200 $103,200
Alexander $78,200 $103,200
Alleghany $78,200 $103,200
Anson $78,200 $103,200
Ashe $78,200 $103,200
Avery $78,200 $103,200
Beaufort $78,200 $103,200
Bertie $78,200 $103,200
Bladen $78,200 $103,200
Brunswick $78,200 $103,200
Buncombe $78,200 $103,200
Burke $78,200 $103,200
Cabarrus $81,300 $107,300
Caldwell $78,200 $103,200
Camden $84,300 $111,300
Carteret $78,200 $103,200
Caswell $78,200 $103,200
Catawba $78,200 $103,200
Chatham $84,300 $111,300
Cherokee $78,200 $103,200
Chowan $78,200 $103,200
Clay $78,200 $103,200
Cleveland $78,200 $103,200
Columbus $78,200 $103,200
Craven $78,200 $103,200
Cumberland $78,200 $103,200
Currituck $84,300 $111,300
Dare $80,700 $106,500
Davidson $78,200 $103,200
Davie $78,200 $103,200
Duplin $78,200 $103,200
Durham $84,300 $111,300
Edgecombe $78,200 $103,200
Forsyth $78,200 $103,200
Franklin $92,200 $121,700
Gaston $81,300 $107,300
Gates $78,200 $103,200
Graham $78,200 $103,200
Granville $78,200 $103,200
Greene $78,200 $103,200
Guilford $78,200 $103,200
Halifax $78,200 $103,200
Harnett $78,200 $103,200
Haywood $78,200 $103,200
Henderson $78,200 $103,200
Hertford $78,200 $103,200
Hoke $78,200 $103,200
Hyde $78,200 $103,200
Iredell $78,200 $103,200
Jackson $78,200 $103,200
Johnston $92,200 $121,700
Jones $78,200 $103,200
Lee $78,200 $103,200
Lenoir $78,200 $103,200
Lincoln $78,200 $103,200
Macon $78,200 $103,200
Madison $78,200 $103,200
Martin $78,200 $103,200
McDowell $78,200 $103,200
Mecklenburg $81,300 $107,300
Mitchell $78,200 $103,200
Montgomery $78,200 $103,200
Moore $78,200 $103,200
Nash $78,200 $103,200
New Hanover $78,200 $103,200
Northampton $78,200 $103,200
Onslow $78,200 $103,200
Orange $84,300 $111,300
Pamlico $78,200 $103,200
Pasquotank $78,200 $103,200
Pender $78,200 $103,200
Perquimans $78,200 $103,200
Person $82,000 $108,250
Pitt $78,200 $103,200
Polk $78,200 $103,200
Randolph $78,200 $103,200
Richmond $78,200 $103,200
Robeson $78,200 $103,200
Rockingham $78,200 $103,200
Rowan $78,200 $103,200
Rutherford $78,200 $103,200
Sampson $78,200 $103,200
Scotland $78,200 $103,200
Stanly $78,200 $103,200
Stokes $78,200 $103,200
Surry $78,200 $103,200
Swain $78,200 $103,200
Transylvania $78,200 $103,200
Tyrrell $78,200 $103,200
Union $81,300 $107,300
Vance $78,200 $103,200
Wake $92,200 $121,700
Warren $78,200 $103,200
Washington $78,200 $103,200
Watauga $78,200 $103,200
Wayne $78,200 $103,200
Wilkes $78,200 $103,200
Wilson $78,200 $103,200
Yadkin $78,200 $103,200
Yancey $78,200 $103,200
York $78,200 $111,300

applybutton

  • 1
  • 2
  • 3

1. Tell us your Mortgage Needs

Get Started!
  • 1
  • 2
  • 3

2. How shall we reach you?


Back
Next

  • 1
  • 2
  • 3

3. Tell us About Yourself


By entering my SS Number I authorize a       Transunion credit check.



Back
Finish





web
analytics