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USDA
STANDARD REFINANCE
This option is ideal for current USDA homeowners who do not qualify for our USDA Streamline Refinance
Key Features
580+ Credit Score | 100%+ Loan-to-Value (LTV) | No Out of Pocket Costs
Why EHGM's USDA Refinance Loans Are Different
We structure your USDA refinance upfront by verifying household income, property eligibility, and credit requirements early in the process. This prevents issues during underwriting and ensures a smoother, cleaner approval.
Lower Fees, Better Long‑Term Savings
As a mortgage brokerage, we compare several USDA‑approved lenders to find the best rates and lowest fees. This helps lower your payment, improve your terms, and maximize the financial benefit of your refinance.
More Loan Options, One Application
We shop multiple lenders’ USDA refinance guidelines—pricing, overlays, and eligibility—to give you more ways to qualify. You get more flexibility and better options with just one application.
Faster Turn Times & More Flexible Processes
We work with lenders known for efficient FHA cash‑out underwriting, quick appraisals, and responsive conditions. This allows us to move quickly, adapt when something changes, and keep your refinance on track with fewer delays and less red tape.
​100% of clients work directly with a licensed advisor — never a call center.
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USDA Standard Refinance Criteria
What you can expect
Max Loan Amount
Limited to the payoff of the existing loan plus eligible fees and escrow setup.
Appraisal
Appraisal required. Borrow over 100% of your homes value.
Credit
580+ FICO with compensating factors.
Employment
2-year work history.
Income
Household income must fall within USDA limits based on county and family size.
Assets
Must be sourced & seasoned for 60 days.
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