Welcome to Stellar Capital
Stellar Capital is your premier USDA, FHA and VA lending company, licensed in HI, OR, CO, NV, CA, WA, AZ, AR, OK, ID, NM, ND, FL, MT and WY. Sign up today and find out how Stellar Capital can help your clients realize their home purchase goals. We are experts in government-backed mortgage financing, and can offer advantages that traditional funding sources can’t, such as fewer overlays and lower credit score thresholds
The USDA Rural Development Loan program is one of the last true No Money Down Loan options on the market. Backed by the United States Department of Agriculture (USDA), these safe and secure loans offer:
- 100% Financing!
- Flexible Credit Guideline
- Fixed Interest Rates
- No Maximum Loan Amount
- Eligibility: New + Existing Homes
In short, affordability - This is what USDA Loans through the experts at the USDA Loan Agency have to offer.
The program you've been waiting for! USDA has rolled out their Rural Refinance Pilot for eligible borrowers to refinance their current USDA loan to a lower rate. This program is now being offered in 34 states.
- No Appraisal!
- No DTI Requirements
- No Credit Qualification
- Finance Closing Costs
Click here for more details on this exciting new program!
WILL BE AVAILABLE SOON!
These government programs are more liberal in terms of qualifying ratios, credit standards and offer higher loan to value limits than Conventional loans. Someone who lacks traditional credit can still obtain FHA or VA financing.
- Use of gifts for down payment and/or closing costs
- Loans may be assumable
- Possible leniency in credit score and debt ratio
- No prepayment penalty