MassachusettsIf you are a resident of counties such as Barnstable, Dukes, Franklin and Nantucket in Massachusetts, then you stand an excellent chance to get approved mortgage from US government sponsored housing development plan. Now, owning your dream home can become a reality for you; without even paying any down payment!

USDA or United States Department of Agriculture, in association with the US government has introduced a very attractive rural housing development and progress program, called USDA Mortgages in Massachusetts, which can help thousands of households and families who cannot afford their own home due to harsh economic conditions and recession. With the help of this housing loan program, you can materialize your dream and secure yourself a brand new house.

Advantages of USDA Mortgages in Massachusetts

  • Fixed interest rate for loan repayment
  • Flexible credit check; individuals with bad credit history can also get approval
  • Absolutely no down payment required
  • No mortgage maintenance fee; it is bundled with the monthly loan repayment
  • 100% finance option available
  • Loan tenure can be extended upto 30 years
  • Guaranteed as well as Direct housing loan available
  • Flexible repayment options
  • Fully legal and authorized mortgage program, backed by US government
  • Instant approval

USDA Mortgages in Massachusetts – Income Limits

In order to filter out those households which are rich and can afford their own home with their personal finance, USDA has come out with a certain income limits based on the average salary of the local area residents and costs of local commodities. But based on our research, most of the middle class and rural/semi-urban residents do fall under these flexible income limits. For instance, for a family of 5 members residing in Barnstable, the annual income should be between $46550 and $133200 to be able to successfully apply for guaranteed housing program.

You are suggested to check the official website of USDA to get complete information about this income limit criteria, which is based on the number of household members and the specific county. Please click here to visit that page:

Non Eligible Counties – USDA Mortgages in Massachusetts

Based on the development index of the counties, USDA has made few counties non-eligible for this special rural housing development program. The list of those counties which are not eligible are:

  • Berkshire
  • Bristol
  • Essex
  • Hampden
  • Hampshire
  • Middlesex
  • Norfolk
  • Plymouth
  • Suffolk
  • Worchester

Though, some areas and pockets within these counties are eligible for the USDA mortgage. Please refer to the official website of USDA to get the complete information y visiting:;jsessionid=56CEC05599EF7EC5AE738FD21BCA91A4?pageAction=oipCounty&stateCode=25

Everyone dreams of owning a house which they can call their own. However, due to various reasons, some are not able to afford one. USDA mortgage in Massachusetts is an excellent chance to get fully financed housing loan. Don’t waste this opportunity! You can start right away by filling this short form in the right hand side of this page or by calling us at 877-342-7449 .