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What is the USDA loan process?

The USDA loan process involves several steps:

  1. Pre-qualification: Determine if you meet basic eligibility requirements.
  2. Pre-approval: Submit financial documents for a more detailed evaluation.
  3. Property Selection: Find a home in an eligible rural or suburban area.
  4. Loan Application: Complete a formal loan application and provide necessary documentation.
  5. Underwriting: The lender reviews your application and the property’s appraisal.
  6. Approval and Closing: Once approved, you’ll sign the final loan documents and close on your new home.


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