Affordable Home Financing with a Rural Housing Service (RHS) Loan in Tampa

Are you searching for a low-cost mortgage option with flexible terms?

At Associates Home Loan, we offer RHS loans in Tampa, FL, and throughout the state to help low-to-moderate-income borrowers secure affordable home financing. Whether you’re a first-time homebuyer or looking to purchase in a rural or suburban area, our RHS loan program could be the perfect solution!

An RHS loan (Rural Housing Service loan) is a government-backed mortgage program offered by the U.S. Department of Agriculture (USDA). It provides loan guarantees to help individuals and families buy homes in eligible rural areas. The USDA Home Loans Program offers flexible credit requirements, low down payment options, and affordable interest rates to make homeownership and rural development more accessible.

Associates Home Loan is an approved lender for RHS loans in Tampa, FL, and across Florida, helping buyers find financing solutions for their own unique circumstances.

An RHS loan is an excellent option for borrowers looking to purchase a home in Florida with minimal upfront costs. Here are just a few of the benefits.

Eligible borrowers can secure 100% financing, reducing the burden of a large down payment.

Government backing allows for lower interest rates compared to conventional loans.

Ideal for first-time homebuyers or those with less-than-perfect credit.

Unlike FHA loans, RHS loans offer reduced mortgage insurance costs, making monthly mortgage payments more affordable.

Many areas in Tampa and eligible rural areas of Florida qualify, expanding homeownership opportunities beyond major cities.

The RHS loan program is designed for low-to-moderate-income borrowers. To qualify, applicants must meet the following eligibility requirements:

• Income Limits – Must fall within USDA income guidelines based on household size and location.
• Primary Residence Only – The home must be used as a primary residence (no investment properties allowed).
• Property Location – The home must be in a USDA-eligible area, which includes many suburban and rural areas in Florida.
• Lenient Credit History – While credit score requirements are flexible, a history of responsible financial management is beneficial.

If you’re unsure whether you qualify, our loan specialists can help determine your eligibility and guide you through the application process.

Getting started with an RHS loan is simple. Follow these steps to secure your home financing:

1. Pre-Qualification – Speak with one of our loan experts to assess your financial situation and eligibility—get pre-approved fast!
2. Find an Eligible Property – We can help you determine whether your desired home is located in a qualifying area.
3. Submit Your Application – Provide necessary documentation, including proof of income, employment verification, and credit details.
4. Loan Approval & Closing – Once approved, we’ll finalize your mortgage, and you can move into your new home in Florida!

At Associates Home Loan, we specialize in tailoring mortgage solutions to fit your financial needs. Our mortgage specialists have tremendous experience helping borrowers who may not qualify for a traditional loan get into the home of their dreams.

Here’s why homebuyers in Tampa and across Florida trust us:

• Experienced RHS Loan Experts – Our team has extensive knowledge of USDA-backed loans and guides you through every step.
• Fast and Easy Application Process – We simplify the mortgage process to get you approved quickly.
• Personalized Loan Solutions – We customize loan options to match your unique situation.
• Trusted Florida Lender – With years of experience serving happy homebuyers across Florida, we ensure a seamless home financing experience.

Get the perfect loan in Florida! Our dedicated team of mortgage advisors is here to help you with your dream home, investment property, refinancing, or debt consolidation needs. Unlike big nationwide companies, we prioritize your privacy, ensuring your information remains secure. Trust our name, trusted statewide.