USDA Loans

USDA Loans in
New Jersey

Affordable Home Financing Backed by the U.S. Department of Agriculture

At Tony Fahim Mortgage, we’re proud to offer USDA home loans—a powerful financing solution designed to help eligible buyers achieve homeownership in rural and suburban areas across New Jersey. If you’re looking for a low-to-no down payment mortgage option with flexible credit guidelines and competitive interest rates, a USDA loan might be the perfect fit for you.

What is a USDA Loan?

A USDA loan is a government-backed mortgage program issued through the United States Department of Agriculture (USDA) to support homeownership in eligible rural and suburban communities. This loan is part of the USDA Rural Development Guaranteed Housing Loan Program and is designed to make homeownership more accessible to low-to-moderate-income families.

Unlike traditional loans, USDA loans offer 100% financing, meaning you can purchase a home with no down payment. With reduced mortgage insurance costs and favorable interest rates, it’s one of the most affordable home loan options available today.

Key Benefits of a USDA Loan

  • No Down Payment Required

  • Competitive Fixed Interest Rates

  • Low Monthly Mortgage Insurance

  • Flexible Credit Requirements

  • Reduced Closing Costs (in some cases)

  • Ability to Roll in Repairs and Improvements

Who Qualifies for a USDA Loan?

To be eligible for a USDA loan, both the property and the borrower must meet specific criteria:

Property Requirements:

  • Must be located in a USDA-eligible rural or suburban area

  • Must be a primary residence (no second homes or investment properties)

  • The home must be modest in size, design, and cost

Borrower Requirements:

  • Must be a U.S. citizen or permanent resident

  • Must meet income limits, which vary by location and household size

  • Must demonstrate stable income and employment

  • Must have a reasonable credit history (typically a 640+ credit score preferred)

Why Choose Tony Fahim Mortgage for Your USDA Loan?

When you work with Tony Fahim Mortgage, you’re not just applying for a loan—you’re gaining a trusted partner dedicated to your success. With years of experience and deep knowledge of USDA loan programs, Tony will walk you through every step, from eligibility checks to closing.

We help you:

  • Determine if you and your property qualify

  • Navigate income and credit requirements

  • Get pre-approved quickly

  • Close your loan with confidence and ease

As a proud New Jersey-based mortgage professional, Tony Fahim is committed to making homeownership possible for individuals and families throughout the Garden State, especially in underserved and rural communities.

Start Your Journey to Homeownership Today

If you dream of owning a home in a quiet, family-friendly area but are concerned about saving for a large down payment, a USDA loan could open the door for you. Let Tony Fahim Mortgage help you explore this affordable and powerful option.