Home Loans Arizona - California - Nevada - Utah

What is Quartzsite AZ USDA Home Loans?

Quartzsite AZ USDA Purchase Loan Program, also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time.

The amount of assistance is determined by the adjusted family income. 


In some areas, USDA Rural Development provides funds to local organizations, called
“intermediaries,” who use funds to offer loans and grants for business startup or expansion. These re-lending options include:

• Intermediary Relenting Program - offers low-interest loans for business and community development.
• Rural Economic Development Loan and Grant Program - offers affordable loans through local utilities for business development that help to create or save rural jobs. 
• Rural Micro-entrepreneur Assistance Program - offers micro-loans to businesses with 10 or fewer employees through intermediaries.

Who in Quartzsite AZ may apply for this program?

A number of factors are considered when determining an applicant’s eligibility for Single Family Direct Home Loans. At a minimum, applicants interested in obtaining a direct loan must have an adjusted income that is at or below the applicable low-income limit for the area where they wish to buy a house and they must demonstrate a willingness and ability to repay debt.

Applicants in Quartzsite AZ must:

• Be without decent, safe and sanitary housing
• Be unable to obtain a loan from other resources on terms and conditions that can reasonably be expected to meet
• Agree to occupy the property as your primary residence
• Have the legal capacity to incur a loan obligation
• Meet citizenship or eligible noncitizen requirements
• Not be suspended or debarred from participation in federal programs

Quartzsite AZ properties financed with direct loan funds must:

• Be modest in size for the area
• Not have market value in excess of the applicable area loan limit
• Not have in-ground swimming pools
• Not be designed for income producing activities

Borrowers are required to repay all or a portion of the payment subsidy received over the life of the loan when the title to the property transfers or the borrower is no longer living in the dwelling.

Applicants must meet income eligibility for a direct loan. Please contact your local RD office to ask for additional details about eligibility requirements.

Who does USDA Home Loans in Quartzsite?

• Contact your local USDA Rural Development office for application information. Nathan Rufty at (623) 850-1210.
• Funding cycles depend on the program you are interested in; they can be annual, quarterly, or continuous.
• Program resources like forms, guidance, certifications, checklists, and more are available online.