Originally designed for rural homeowners, USDA loans allow home buyers who may not qualify for a conventional home loan due to credit, income, or cash-flow issues to purchase a home in designated rural and suburban areas. As government-backed loans, USDA loans have many financial benefits for qualified individuals, and with eligibility requirements recently expanded to include more rural and suburban areas of Kansas City, even more homeowners can take advantage of a USDA loan’s savings.
USDA Loans with Golden Oak
If you are interested in a USDA loan, contact our Overland Park office today. Our experienced and knowledgeable staff will help you determine whether your home in Kansas City, Kansas or Kansas City, Missouri is eligible for this loan, as well as personally guide you through the entire lending process. With competitive interest rates, Golden Oak Lending Kansas City will save you money, so you can enjoy your new home stress-free.
At Golden Oak Lending, from the underwriting to the closing, all of our processes are done in-house. An experienced Personal Loan Officer will be your advocate for getting you the assistance you need at the lowest possible rate. Your Personal Loan Officer is your sole point of contact for the entire process, so there is no need to retell your story multiple times to different individuals. You have the benefit of an experienced and qualified professional who will guide you through the process of finding and qualifying for the right loan that meets your specific needs.
Golden Oak Lending Kansas
8595 College Boulevard, Suite 160
Overland Park, KS 66201
Phone: (913) 890-4653
Hours of Operation
Monday - Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 4:00 pm
License # MC.0001766
Advantages of USDA Loans
- Low Rates and Fees USDA loans are insured by the United State Department of Agriculture, so they are able to offer qualified KC homeowners a loan option with lower rates and fees. With low private mortgage insurance (PMI), fixed-interest rates, and the option of including closing costs into the loan, USDA loans can help many Kansas City residents afford their homes.
- No Down Payment Requirement USDA loans do not require a down payment, so you can finance 100% of the loan. This is perfect for Kansas City home buyers with limited cash on hand.
- Flexible Credit and Income Requirements USDA loans accept lower credit and higher debt ratios, providing an affordable loan option to lower-middle-income families that have stable employment, newly employed Kansas City residents, or even recent college graduates, so they can purchase their home in our great community.
Contact Us Today and See How We Can Save You Money!
Conventional Home Loans
"I can cover a down payment and am looking for a fixed rate mortgage loan."
Mortgage Refinancing
"I currently own a home but would like to refinance my loan to improve my interest rate or adjust my mortgage terms."
Cash-Out Loans
"I currently own a home that has equity and would like to get cash out for updating my home or consolidating higher interest debt. (like credit cards)."
FHA Loans
"I am interested in putting the minimum payment down on a home."
Get Pre-Approved
"I am looking to purchase a home and would like to shop with confidence based upon what I can afford."
VA Loans
"I am currently serving or have served in the U.S. military and wish to purchase a home with flexibility on down payment, mortgage insurance and credit score."
Jumbo Loans
"I have excellent credit and am looking for a home loan option to help acquire a larger, more expensive home."
USDA Loans
"I am looking to purchase a home in a rural area."
Home Equity Loan
"I have equity in my current home and would like to use its equity for larger purchases, home renovations or paying down higher interest debt."
New Home Loans
"I would like to purchase a new home and would like to learn about my borrowing options."
