USDA Loan Program

USDA Loan Details

The USDA loan program is designed to provide low-to-moderate income families the opportunity to purchase a home in rural and suburban communities.

Eligibility

Property must be defined by USDA as rural
Credit scores as low as 640 may qualify
Must occupy home as primary residence
Must utilize USDA approved lender, such as RWM.
Must fall within income limits, which vary by county*

Highlights

As low as 0% down payment
Competitive interest rates
Flexible credit guidelines
30-year and 15-year fixed rate loans available
Lowest funding fee of all government-backed loans

*To learn more about the your county’s income limits, please visit: United States Department of Agriculture

Hi, I'm Jahaziel, Your USDA Loan Expert

Jahaziel Vargas is originally from Mexico, having moved to Arizona in 1996. Since then, he has made the state his home and planted roots in the Yuma area. Beginning his career in banking in 2001, Jahaziel transitioned to mortgage 5 years later and now has over 13 years of industry experience. During his time focusing on open home equity loans, Jahaziel discovered a passion for helping guide clients into homeownership with a specialty in discovering ways they could save financially.

Jahaziel and his wife are a close-knit family of 7 including their 4 children, 2 boys and 2 girls, and their Great Dane. When he’s not originating, Jahaziel enjoys spending time with his children and taking them out to the movies.

Jahaziel Vargas

NMLS ID #: 694331

c 928.345.7000
o 928.315.6755
e JahazielV@rwmloans.com
a 1964 E. Cesar Chavez Blvd., Ste. 3
a San Luis, AZ 85349

I am authorized to do business in the states of Arizona and California. AZ Lic# 0926350; AZ Branch Lic# 1008340; RWM Home Loans AZ Lic.# 0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

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Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family…read more →

Kirk C.

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelia B.

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way... It…read more →

Julie M.

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn't miss my vacation.

Melody T.

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow…read more →

Cassandra C.

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.