{"id":17003,"date":"2022-11-01T17:13:02","date_gmt":"2022-11-01T22:13:02","guid":{"rendered":"https:\/\/trueskycu.org\/?page_id=17003"},"modified":"2023-02-13T10:40:11","modified_gmt":"2023-02-13T16:40:11","slug":"usda-rhs-loans","status":"publish","type":"page","link":"https:\/\/clientweb.dev\/tscu\/home-loans\/usda-rhs-loans\/","title":{"rendered":"USDA &#8211; RHS Loans"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:132px;--awb-background-image:url(&quot;https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2022\/11\/Ruralhome.jpg&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-top:105px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-font-size:38px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:38;line-height:1.5;\">USDA &#8211; RHS Loans<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;margin-bottom:15px;width:100%;\"><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:30;line-height:1.1;\">USDA &#8211; RHS Home Loans<\/h1><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.5;\"><strong>What Is a USDA &#8211; RHS Loan?<\/strong><\/h3><\/div><div class=\"fusion-text fusion-text-1\"><p>USDA &#8211; RHS loan programs assist approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe, and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may purchase, build, rehabilitate, improve or relocate a dwelling in an eligible rural area with 100% financing.<\/p>\n<p>They were long thought of as just for farmers, but the program has been expanded in recent years to give more people looking to purchase or refinance in a rural area access to the incredible benefits offered by these loans.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.5;\"><b>USDA &#8211; RHS Loan Eligibility<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p>Program guidelines are very specific \u2013 but don\u2019t let that stop you from achieving your home ownership goals. Our experienced USDA &#8211; RHS financing professional will help you navigate through the USDA &#8211; RHS loan process and determine if you are eligible.<\/p>\n<p><strong>Basic qualifications include:<\/strong><\/p>\n<ul>\n<li aria-level=\"1\">Income eligibility &#8211; your income cannot exceed the limit determined by USDA &#8211; RHS. Click <a href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/incomeEligibilityAction.do?pageAction=state\">here<\/a> to see USDA &#8211; RHS&#8217;s income eligibility.<\/li>\n<li aria-level=\"1\">Property Eligibility &#8211; the property must be in an area designated as &#8220;rural&#8221; by the USDA &#8211; RHS. Click <a href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=sfp\">here<\/a> to determine if the property is eligible.<\/li>\n<li aria-level=\"1\">Primary Residence &#8211; the property must be your primary residence.<\/li>\n<\/ul>\n<p>To learn more about the requirements, visit the <a href=\"https:\/\/www.rd.usda.gov\/programs-services\/single-family-housing-programs\/single-family-housing-guaranteed-loan-program\">USDA &#8211; RHS Rural Development website<\/a>.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.5;\"><b>Benefits of a USDA &#8211; RHS Loan from True Sky Federal Credit Union<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-3\"><p>Our USDA &#8211; RHS loans offer several unique benefits that set them apart from standard home loans. USDA &#8211; RHS loans require no down payment, so qualified individuals can finance up to 100% of the home\u2019s total purchase price. This makes them one of the more desirable loans available to homeowners.<\/p>\n<p>For more eligibility information, questions, or to apply, contact us at 405-682-1990.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#20c4f4;--awb-content-color:#1c3d6e;--awb-icon-box-color:#1c3d6e;--awb-toggle-hover-accent-color:#20c4f4;--awb-title-font-family:&quot;Inter&quot;;--awb-title-font-weight:300;--awb-title-font-style:normal;--awb-content-font-family:&quot;Inter&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-17003-1\"><div class=\"fusion-panel panel-default panel-a2f19e13ddd5233fb fusion-toggle-no-divider\" style=\"--awb-title-color:#20c4f4;--awb-content-color:#1c3d6e;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a2f19e13ddd5233fb\"><a aria-expanded=\"false\" aria-controls=\"a2f19e13ddd5233fb\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-17003-1\" data-target=\"#a2f19e13ddd5233fb\" href=\"#a2f19e13ddd5233fb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Disclaimer<\/span><\/a><\/h4><\/div><div id=\"a2f19e13ddd5233fb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a2f19e13ddd5233fb\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>APR = Annual Percentage Rate. Credit restrictions apply. Rates and terms are subject to change at anytime. Rates can be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees, and other charges that you have to pay to get the loan. For that reason, your APR is usually higher than your interest rate. Loans above 80% Loan-To-Value ratio may require mortgage insurance.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;margin-bottom:15px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-4\"><p style=\"text-align: center;\">In the market for a new home? Ready to apply for our USDA &#8211; RHS Mortgage?<br \/>\nIf you would like to apply, click below to get started.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:10px;width:100%;\"><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/secure.approvedfast.com\/A2\/tscu\/application\/index#!\/signup\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply Now<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":2215,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-17003","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>USDA - RHS Loans - True Sky Federal Credit Union<\/title>\n<meta name=\"description\" content=\"Looking for a USDA - RHS Loan? 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