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USDA Credit Guideline Info

Below, you will find basic highlights of USDA's credit guidelines.

Important Note: These are basic highlights...let us qualify you! DO NOT disqualify yourself based upon this information. Let us take a look at your scenario first! Plus, you can't always use the credit scores you may have, we use your real credit scores.
Many people think they don't qualify, then come to find out they do!

  • 620 and up credit scores and up typically will automatically credit qualify!
  • Base debt ratios of 29/41. Don't worry, we'll calculate this for you! Also, these can be expanded.
  • No maximum loan amount. Your income determines how much you qualify for.
  • New! Past foreclosures need to be 36 months old regardless of credit score.
  • New! Past bankruptcies need to be 36 months old regardles of credit score.
Basically, if you have a 620 middle score or higher, you will typically qualify!
600-619 middle credit scores will qualify in many cases too!
Below 600 middle credit scores will need to be looked at carefully.


Please, let us give you an official qualification! Don't do it yourself!