USDA Loans


USDA loans are government-insured mortgage loans designed to help low- and moderate-income households the opportunity to purchase a primary residence in eligible rural areas.


Qualified borrowers are subject to income limits set forth by the United States Dept. of Agriculture.

Properties must be located in a Rural-Agricultural zone as determined by the United States Dept. of Agriculture.

Who Can Apply for USDA Loans?

  • U.S. Citizens, U.S. non-citizen nationals, or qualified aliens.


  • Borrowers who do not qualify for Conventional financing and whose income does not exceed the maximum limit set by the USDA. Income restrictions vary based on County. Refer to USDA Income Eligibility.


  • Borrowers who have not been suspended or debarred from participating in federal programs.


  • You do not need to be a first-time homebuyer!

What are the Benefits of USDA Loans?

  • Zero Down Payment! Save thousands of dollars in expenses by purchasing a home with no down payment.


  • Lower interest rates: Since the USDA insures a portion of the loan against default, reducing risk, lenders can charge lower interest rates. Typically the rate is at least .5% lower compared to Conventional rates.


  • Closing Cost Flexibility: Sellers can pay for the buyer's closing costs, up to 3% of the sales price. Gift funds from family can also be used. If the property appraises for higher than the sales price, the buyer can finance closing costs, up to the higher appraised value.


  • Low minimum credit score of 600. 



Not Sure If This Is The Right Program For You?

Don't Worry! My job is to figure that out for you. Send me an email or fill out an application!
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1003 Bishop Street Ste. 2700

Pauahi Tower

Honolulu, HI 96813

NMLS #1336741

Branch NMLS #1244222​

C2 Corporate site:

Tel: 808-389-1138

© 2014 C2 Hawaii 

All Rights Reserved

C2 Financial Corporation is licensed by the NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by the borrower. A loan is only approved when a Lender has issued an approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rates subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of Hawaii.

C2 Financial Corporation is approved to originate VA and FHA loans and has the ability to broker such loans to VA and FHA approved lenders.C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.