Question 1

Does all of Orange Cove qualify for USDA loans?

Accepted Answer

Most areas qualify but newer dense subdivisions may not. We verify eligibility using USDA's property map before you make an offer.

Question 2

Can I buy a fixer-upper with a USDA loan?

Accepted Answer

The property must be move-in ready with no health or safety issues. Minor cosmetic repairs are fine but major renovations disqualify the home.

Question 3

What if my income is slightly over the limit?

Accepted Answer

We recalculate using only occupying household members. Adult children moving out or adjustments for childcare expenses sometimes bring income under the cap.

Question 4

How long does USDA approval take?

Accepted Answer

Expect 30-45 days total. USDA reviews the file after lender underwriting, adding 7-10 days versus conventional loans.

Question 5

Can I refinance out of a USDA loan later?

Accepted Answer

Yes. No prepayment penalty exists. Many borrowers refinance to conventional once they hit 20% equity and higher income.

USDA Loans in Orange Cove: Zero Down in Rural Fresno County