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USDA Home Loans provide 100% financing for a home purchase - possible to include closing costs on certain loans -- true no money down loan.  Refinance your USDA loan to a lower rate; or USDA purchase loans with renovation options available.

For more information on a USDA eligible property in Illinois, please contact Smart Mortgage Centers, Inc. at 630-854-3459 

We will evaluate your financial, credit history as well as the area you are interested in buying a home to make sure you qualify BEFORE you start looking for a new home. You need to have a minimum credit score of 580, and no foreclosures or bankruptcies in the past 3 years. You must be a U.S. citizen, and be within in the income limitations for that designated area.

USDA Home Loan Advantages
Besides having low interest rates and being some of the most credit friendly home mortgages on the market, there are a slew of other benefits that come with this program. First of all, the USDA home loan program is one of the last remaining mortgage programs in the country that require absolutely no down payment (besides the VA loan). Instead of having to put 3.5% down with an FHA loan, you can save that money and put it towards furnishing the home, making repairs, or put it right back in your pocket. USDA home loans also allows closing costs to be rolled into mortgage, depending on value of home!  A true no money down home purchase is out there - ask us how you can qualify!

To learn more about USDA Loans call Patty Harrison, your Illinois USDA expert at  (630)854-3459

Contact Info

Patty Harrison

ph. 630-854-3459
fx. 630-904-1010
Cell: 630-854-3459
Smart Mortgage - 4003 Plainfield/Naperville Rd. #201 , Naperville, IL 60564
NMLS #230234/Company #222269 / Illinois Residential License #4870