USDA Loans
in Oakhurst, CA

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While there are many reasons to consider settling down in Oakhurst, one of the biggest draws to this beautiful town is the breathtaking countryside which surrounds it.

If you are interested in purchasing a rural home in or around Oakhurst or anywhere else in California, you might be eligible for a USDA home loan.

What is a USDA Mortgage?

A USDA mortgage is a lending product which the US Department of Agriculture (USDA) insures. Sometimes, the USDA loan program will be referred to as the “Rural Development Guaranteed Housing Loan” program. This is no longer the program’s official name, but many people are unaware that the name has changed.

As the USDA considers an area to be rural so long as the population is no more than 35,000, there are many opportunities to purchase homes in the Oakhurst region using a USDA mortgage.

Benefits of USDA Mortgages in Oakhurst

Having the government insuring your mortgage entitles you to the following benefits:

A USDA mortgage may allow you to move into a rural home in California with zero down payment.

USDA loans feature fixed interest rates. Because the loan is insured, the interest rate may be more affordable than it would be for a corresponding conventional loan.

There is a cap placed on the closing costs for a USDA mortgage.

While you may need to purchase mortgage insurance, your premiums can be discounted.

You do not need perfect credit to qualify for a USDA loan and enjoy the benefits listed above. In fact, USDA loans are targeted toward low to moderate income homebuyers. That means that many applicants may not have perfect credit.

Along with home purchase, USDA loans can also be used to buy vacant lots, build homes, or repair them.

USDA Mortgage Eligibility Guidelines

To qualify for a USDA home loan, you will need to meet these requirements:

You can only apply for a USDA mortgage as a US legal resident.

This is an income-based mortgage program, which means that you cannot exceed the income cap for your family size.

USDA mortgages can only be used to buy homes that are 2,000 square feet or less and which pass the USDA’s appraisal guidelines.

The home that you are trying to finance must be located in an area with a population that is no more than 35,000.

If you are not sure whether you are shopping for a home in a USDA-defined “rural” area, we can look up that information for you during your free consultation.

Apply for a USDA Loan in California Now

If you are ready to move into a beautiful rural home in California with zero down, we can help you figure out if you are eligible for a USDA mortgage. To apply today, please call 559-540-2275.

Get Pre-Approved Today!

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Granite West Funding, LLC
40879 CA-41
Oakhurst, CA 93644
(559) 540-2275
andrew@granitewestfunding.com
eric@granitewestfunding.com
jesse@granitewestfunding.com
NMLS 200726
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Granite West Funding, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

Casey Knutson

21:24 04 Feb 25

We used Granite West to purchase and after a couple of years, refinance our house. Through both experiences, Andrew and his team are amazing!They made the process very smooth and swift. They patiently explained things when we had questions and were able to push all of the necessary paperwork through with an impressive fast pace. If and / or when I decide to buy or refinance again, I will only work with Granite West.

cori drew

17:16 23 Jan 25

Andrew Pence and the Granite West Funding team was phenomenal at walking us through our first home purchase. A few years later, they helped us refinance our home and secured us the best rate possible.What an amazing Team! I would absolutely recommend them.

Melissa De Graaff

21:27 17 Oct 24

We cannot say enough wonderful things about working with Eric Wood at Granite West Funding. We went into the situation not knowing much about the process. Eric helped us (while educating us) every step of the way!! We highly recommend Eric and his entire team, they were all fantastic, hardworking and a very kind group of people!!

Krissi O

13:52 08 Jul 24

Granite West has been our "go to" on several occasions and never disappoint! Quick results and always professional! Highly recommend!!!

Tammi Chumney

17:22 14 Feb 23

My husband and I just bought our first investment property and it is fabulous!!It was a very unique situation that demanded a lot of precise attention to details. Eric Wood was there every step of the way! Him and his team at Granite West funding are amazing professionals and very kind hearted people to work with. :) I just can’t say enough about our seamless experience with Eric Wood. Thank you to Jackie as well! We will be a regular clients for future investments and lending needs. Big thank you to you all from the Chumney’s!!

Sherry Andersen

01:02 10 Feb 23

We just finished a deal with Eric Wood and he was great to work with. He was extremely helpful and always responded quickly to our calls, texts or emails. I have worked with many people in the lending industry and can tell you that everyone at Granite West Funding is good at what they do. They had several options available for us and they handled our financing as if they were doing it for themselves or a loved one.Thank you Granite West Funding for making each of our transactions go quickly and smoothly!

Dan Johnson

02:23 11 Mar 21

Andrew and the team at Granite West Funding were phenomenal with our home loan! They were very precise and professional but also very friendly and welcoming. They were available to answer our questions and very knowledgeable. It was a pleasure working with them. I would highly recommend going with Granite West funding. If we ever re-fi or buy another house they will be the people I go with. Thank you guys for the great service it was much appreciated and we love our new home!

Melissa McGregor

15:23 18 Nov 19

We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!

USDA Loansin Oakhurst, CA