Why USDA Loans Don’t Work in California (And What Actually Does) скачать в хорошем качестве

Why USDA Loans Don’t Work in California (And What Actually Does)

Wondering why USDA loans aren’t helping more buyers in California? USDA home loans offer a true 0% down payment option, but for most buyers in California, they simply don’t work—and it comes down to one thing: the DTI ratio (debt-to-income limits). In this video, I explain exactly why USDA loans are so rare in CA and show you how down payment assistance programs may actually give you more buying power. If you’ve heard about USDA’s great rates or seen videos about buying a home with no money down, this video clears up what’s fact vs. fiction—especially if you’re looking to buy in high-cost areas like Sacramento, the Bay Area, or Southern California. I’ll also compare USDA vs FHA and Conventional loan options that work with down payment assistance, and break down how front-end and back-end DTI ratios can make or break your loan approval. You’ll leave this video with a better understanding of what programs actually help first-time buyers in California, and what to do next. 🔗 Helpful Links Mentioned in the Video: 📍 USDA Property Eligibility Map – See if your area qualifies: https://eligibility.sc.egov.usda.gov/... 💰 USDA Income Limits PDF – Check if your income fits your county: https://www.rd.usda.gov/files/rd-grhl... 🏛 USDA Rural Development Program Overview: https://www.rd.usda.gov/programs-serv... 📺 Want to learn about Down Payment Assistance? Watch this next:    • You Could Have Bought a Home with Down Pay...   📅 Schedule a Free Consultation with Me: https://scheduler.zoom.us/jacob-kurtz 📲 Download My Mortgage App: https://mtgpro.co/dr/c/6vkqu 👋 Jake Kurtz | American Pacific Mortgage 📞 Call/Text: 916.208.8941 🏠 First-time buyer in CA, TN, WA, or MO? Subscribe for no-fluff mortgage tips. 👍 Like this video? Hit that thumbs up and drop your questions in the comments! 📩 Ready to see what you qualify for? Let’s run your numbers and get you a plan. 00:00 Introduction to USDA Loans 00:09 Why USDA Loans Are Rare in California 00:48 USDA Loan Guidelines and Eligibility 01:53 Debt-to-Income Ratios Explained 03:52 Comparing USDA with Other Loan Options 05:45 Down Payment Assistance Programs 06:55 Improving USDA Loan Accessibility 08:00 Conclusion and Next Steps