Home Loans Arizona - California - Nevada - Utah

How to buy a house in the mountain community in the San Bernardino County in Southern California. Want the ability to buy a house with no money for the down payment? Explore the USDA home loan purchase program.

Click on the Image Below to watch a video about the USDA home loan program that is available in Angelus Oaks, Big Bear City, Big Bear Lake, Blue Jay, Cedar Glen, Cedarpines Park, Crestline, Fawnskin, Forest Falls, Green Valley Lake, Lake Arrowhead, Lyle Creek, Rim Forest, Running Springs, Sky Forest, Sugarloaf, Twin Peaks and Wrightwood.

Limited on funds to buy a house, then the USDA home loan program may be the program for you. The property must be in an approved lending areas, watch the video to learn more about those approved lending areas. 

The benefits to the USDA purchase program is there is no money required for the down payment, can finance the closing cost if the appraised value comes in higher than the agreed upon purchase price. 

USDA program offers great rates to buy a house with limited funds to buy a house, if you are looking to buy an owner occupied property in California within San Bernardino County, what the enclosed video to learn about a great purchase program where you can own a home with very little money. 

Connect with me at 909-503-5600 to learn more about the USDA home loan program and see if this program is for you and if you qualify for the program. I look forward in hearing from you. 

Posted by Nathan Rufty on September 5th, 2023 10:49 AM

Looking to buy a house in California or Arizona and limited on money for the down payment. Here are three purchase loan programs that you can explore.

In this Podcast, we will review the VA home loan, USDA Home loan, and Down Payment Assistance loan programs. I welcome the opportunity to discuss with you these three loan programs to be able to buy a house in Arizona or California. 

Please call, text or email me with any questions, 

Nathan Rufty
Mortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210
eFax: 888-837-2861
CA & AZ NMLS #292056
Check Out Our Rates

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Posted by Nathan Rufty on December 27th, 2020 11:57 AM

What is the USDA purchase home loan program in California and Arizona and who does them? Here is a video to look up the approved lending areas https://www.youtube.com/watch?v=tbzzRB43vXg This is still a no money down purchase home loan programs in California and Arizona known as the USDA home loan program. Explore your options on buying a house in California or Arizona using the USDA home loan. 

Please call, text or email me with any questions, 

Nathan Rufty
Mortgage Loan Originator 

Call or Text at 909-503-5600
CA & AZ NMLS #292056
Check Out Our Rates

Posted by Nathan Rufty on February 8th, 2020 11:19 AM

Perhaps you feel more at home surrounded by pastures than pavement. If so, buying a home might be well within reach, thanks to the U.S. Department of Agriculture mortgage program. In fact, the USDA might have one of the government’s least-known mortgage assistance programs.

Usda home loans in Adelanto ca


A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.


USDA Home Loan Income Limits Adelanto, California


  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Adelanto, California.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties
  • Start your Alabama USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.


How USDA loan programs work


There are three USDA home loan programs:


Loan guarantees: The USDA guarantees a mortgage issued by a participating local lender — similar to an FHA loan and VA-backed loans — allowing you to get low mortgage interest rates, even without a down payment. If you put little or no money down, you will have to pay a mortgage insurance premium, though.


Direct loans: Issued by the USDA, these mortgages are for low- and very low-income applicants. Income thresholds vary by region. With subsidies, interest rates can be as low as 1%.


Home improvement loans and grants: These loans or outright financial awards permit homeowners to repair or upgrade their homes. 


Qualifying for a USDA-backed mortgage guarantee

Income limits to qualify for a home loan guarantee vary by location and depend on household size. To find the loan guarantee income limit for the county where you live, consult this USDA map and table.


USDA guaranteed home loans can fund only owner-occupied primary residences. Other eligibility requirements include:


  • U.S. citizenship (or permanent residency)
  • A monthly payment — including principal, interest, insurance and taxes — that’s 29% or less of your monthly income. Other monthly debt payments you make cannot exceed 41% of your income. However, the USDA will consider higher debt ratios if you have a credit score above 680.
  • Dependable income, typically for a minimum of 24 months
  • An acceptable credit history, with no accounts converted to collections within the last 12 months, among other criteria. If you can prove that your credit was affected by circumstances that were temporary or outside of your control, including a medical emergency, you may still qualify.


To apply for a USDA home loan in Adelanto, California please call Nathan Rufty at (909) 503-5600

Posted by Nathan Rufty on February 27th, 2019 5:04 PM

Loan Officer in Ontario CA specializing in purchase and refinance home loans with programs such as FHA, VA, USDA, Conventional and Down Payment Assistance loan programs.

Weather you are looking to buy a house or refinance one, I welcome the opportunity to assist you with your home loan needs and discuss your financial goals. The home loan process is a very smooth transaction when working with the right dedicated Licensed Loan Officer such as myself. I have been a part of the lending community since 1988 and continue to assist "Making Homeownership a Reality." 

Searching for the best loan programs with cost, fees and interest rate is what every loan applicate is looking for, image having those great rates and fees, then add expectational customer service and communication in the process, there you have a great recipe for success.

Loan Officers do not have any control over market conditions but what we do have control of, is how we handle our customer service and how we deliver our communicate during the home loan process. I want you to experience first class service the moment you call me at 909-503-5600. Product knowledge is another key competent when looking for a Mortgage Professional who has your best interest in mind.

The mortgage industry updates it's self every few months with new underwriting and product guidelines. Working with a full time Loan Officer will ensure a smooth and on time closing. When looking for professional to assist you with your home loan, do some proper research of that individual. Online presence can inform you about this individual's work ethic. Also, make sure they hold a current lending license in the state your property is in. Look up their NMLS number of that person you are speaking with, anyone quoting you a rate and terms of a home loan must be licensed to do so through the Nationwide Mortgage Licensing System (NMLS).

Ontario CA is a growing community and I am eager to assist those individuals looking to buy a house or refinance a property with the available home loan programs here in California. It is my goal to inform, educate and present all lending programs based on your income, credit and assets. If current financial situation does not allow you to move forward with a home loan, I will work with you to create a road map to follow, to have a game plan to get you in the position to one day purchase or refinance a home.

I value your business and relationship, I am not a fly by night professional. Since 1988 I have been assisting borrowers fulfill their refinance and purchase loan needs. This is has been a career of mine for almost 30 years, dedication like this only comes for those professionals who's number one is your number one goal. 

I welcome the opportunity to discuss your goals of purchasing or refinancing a home at 909-503-5600. Please call or text me to connect on how I can be a key part of your home lending needs. You can also email me HERE to speak about your Ontario CA home loan. 

Posted by Nathan Rufty on June 13th, 2015 9:04 AM



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