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 Matt Brumfield

Loan Officer

NMLS# 310364

Matt Brumfield became a licensed loan officer in 2006 after working as a Mortgage Loan Processor since 2002. In 2013, he became the Branch Manager of RWM Home Loans’ Ramona, CA office. Matt has extensive knowledge on all loan types and brings a wealth of knowledge and caring perspective to the lending experience. Over the years, he has developed a passion for Reverse Mortgages and educating homeowners about their potential benefits. He is a second generation Loan Officer, succeeding his father in the business, with over 20 years of personal experience in the industry.

Get In Touch

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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.Company Name

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.Company Name

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.Company Name

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 to RWM.

Kirk C.Company Name

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

Angelina B.Company Name

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.

Julie M.Company Name

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.Company Name

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.Company Name

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 process.

Cassandra C.Company Name

4.9

348 Reviews

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