CelerPlus FHA Loan Program

Celer USDA Loan Program

Celer Mortgage makes homeownership easier for low to moderate-income buyers with our USDA Loan Program—a 30-year fixed-rate mortgage backed by the USDA, requiring little to no upfront costs in eligible rural areas of California.

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Key Features

Zero Down Payment

Eliminates the need for a down payment, significantly reducing initial homebuying expenses.

Fixed Interest Rate

Provides stable monthly payments with a consistent interest rate over a 30-year term.

Competitive Loan Terms

Supported by the USDA, offering favorable interest rates compared to conventional loans.

Down Payment Assistance

Eligible borrowers may access support to cover down payments and closing costs.

Homebuyer Education: Empowering Your Journey

As part of the USDA Loan Program, completing a homebuyer education course may be required. This course provides essential insights into budgeting, mortgage management, and the responsibilities of homeownership. Our team can guide you through the process and recommend approved courses to help you meet this requirement with ease.

Our Customer Care Agents Are Available.

Eligibility Requirements

Property Location

The home must be in a USDA-designated rural area in California.

Income Limits

Applicants must meet USDA income guidelines based on county and household.

Credit Score

A minimum credit score of 640 is required (660 for manufactured homes).

Debt-to-Income Ratio

The maximum allowable DTI ratio is 45.00%.

Our Satisfied Clients

Hear what some of our satisfied client have to say

Gabriel Reyes, amazing loan agent! As a first time home buyer our experience with him was great. He was able to answer all of our questions and doubts. All the information provided was helpful and informative. We couldn’t be any happier …More
Martha Aguilera, Happy Customer
I would like to thank Isayda Aguilar for helping us through the loan process. We finally bought our first home and I couldn’t be happier with the process! Isayda made it so simple for us to know what steps were ahead and how the process …More
Nancy Pineda, Happy Customer
We worked with Cynthia on buying our home and she was phenomenal! She was always available to answer any questions we had or to explain something in further detail. Buying a home can be long and a lot of unknowns, but Cynthia really made the process so easy for us!
Desiree S, Happy Customer
Riley helped me and my brother with the purchase of our first home. Very timely with his responses to any of our questions, very thorough and informative too. On the rare occasions he did not have an answer to our questions, he ensured to  …
Daniel Utuone, Happy Customer

How to Apply

Contact a Celer Mortgage-approved loan officer to start your application. Gather necessary documents and complete a homebuyer education course. Our team will review your application, verify eligibility, and guide you through approval. Once approved, you’ll proceed to closing and become a homeowner with USDA loan benefits.

Our Customer Care Agents Are Available.

Get Started Now

Contact us today to learn more about your eligibility and begin your homeownership journey!

Stay Informed

Stay Informed. Whether you are a first time buyer or interested in becoming, real estate agent, or mortgage agent. we have classes and updates to keep you up to date. Simply add your name and email to be on the list

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