Mortgage | USDA Loans

USDA Mortgage Loan Arizona Jeff Heggie

Jeff Heggie – Arizona Mortgage Loan Officer NMLS#2247399

Some of you may know, but in addition to my business, success, and peak performance coaching, I have recently joined Geneva Financial Home Loans, a mortgage lender headquartered in Chandler, Arizona as a Mortgage Loan Originator. I’ve always had a passion for serving others and now I’m proud to be a part of Home Loans Powered by Humans. If you are in the state of Arizona and looking to take the next step in your journey, contact me at 801-830-3858 to start the conversation.

NMLS#42056 BK#0910215 Equal Opportunity Lender.

In addition to my other articles on this site, at times I will share valuable information regarding the mortgage and/or real estate industry.

At Geneva Financial we offer Conventional, FHA, VA, USDA, Refinance, Reverse, Jumbo and Condo Financing as well as Down Payment Assistance Programs, First-Time Homebuyer Programs, Physician Loans and Hero Loans for First Responders, Police, Firefighters, Nurses, and Teachers.

The Arizona real estate market is exciting right now. So whether you are moving to Arizona and you’re looking to buy a new home, or you already live here and you’re looking to buy, or refinance, there are many opportunities.


Today I want to share some information for those who are looking for more information on USDA Loans.


Geneva Financial, LLC. now offers in-house USDA home loans, allowing for superior customer service, and quicker turn times

What is a USDA Loan?

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USDA loans are mortgages backed by the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program. USDA homes offer lending to properties residing in a rural area.


  • No down payment required
  • Available for purchase or refinance*
  • Gift funds allowed
  • Eligible closing costs may be financed**
  • Up to 6% seller-paid closing costs
  • Flexible qualifying criteria *

*must be supported by appraisal value

Who is a USDA loan for?

USDA Rural Housing loans are available to qualified low-to-moderate income homebuyers purchasing a home in a designated rural area.

What are the requirements for a USDA Loan?

  • U.S. citizenship or permanent residency
  • Ability to prove creditworthiness, typically with a credit score of at least 620
  • Stable and dependable income
  • A willingness to repay the mortgage – generally 12 months of no late payments or collections
  • Adjusted household income is equal to or less than 115% of the area median income
  • Property serves as the primary residence and is located in a qualified rural area

For more information and details contact Jeff at or (801)830-3858 or visit

Learn about other mortgage products: Conventional Loans, FHA Loans, Refinancing, VA Loans, Others


Published by D. Jeff Heggie

Father, Husband, Coach & Entrepreneur

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