01
Location
Check whether the specific home is in an eligible area.
Check whether the specific home is in an eligible area.
LOAN OPTIONS / USDA
Check the address. Then the loan.
A USDA-backed mortgage may allow no down payment for an eligible buyer in a qualifying area. Start with the home’s address and your household income.
Check the home and household
01
Location
02
Household income
03
Total costs
USDA home loans
01 · Check the property address
The exact address matters for a USDA loan. A home’s eligibility comes from the program map, not just whether its town sounds rural. We’ll check that first.
02 · Work out the cash needed
Eligible USDA loans may need no down payment. You still need to account for closing costs and program fees. We’ll go through the monthly payment and cash needed to buy.
03 · Review household income
Household income is another part of USDA eligibility. Tell us who will live in the home and what income the household receives. We’ll explain the current requirements and documents.
See it with your numbers
Try a price and down payment. Add the rate from your quote to see principal and interest.
- Down payment
- 10.0%
- Loan amount
- $270,000
- Principal and interest, 30 years
- Add your rate
Before taxes, insurance and mortgage insurance. Not a quote or a commitment to lend.
Open the full calculator
Before you call
Tick off what you have. You can start without all of it.
“I appreciate his patience with me explaining in detail what was needed and how to submit it.”
Laury Heinig
Common questions
Still wondering about something? Call (517) 580‑5050 and we’ll walk through it with you.
Have an address you’d like us to check?
Call us with the property address and your questions. We’ll look at USDA eligibility and other mortgage options worth considering.
Talk to us
What to expect when you call
Your questions answered by a local loan officer
Options compared using your own numbers
A clear next step, with no obligation to apply
(517) 580-5050
114 W Main St, DeWitt
Loan approval is subject to credit, property and underwriting requirements. Some loan products may not be available in all states. Terms, rates and fees are subject to change. This website is not a commitment to lend.
Important mortgage disclosures
Payment estimates
Calculators are educational tools. Results use your inputs and assumptions and are not a rate quote, Loan Estimate, preapproval or guarantee. Actual payments and costs may differ. Include taxes, insurance, mortgage insurance and association dues where applicable.
Refinancing and home equity
Refinancing can involve closing costs and may increase total interest or extend repayment. A lower monthly payment does not necessarily mean a lower total cost. Compare the proposed terms with your existing loan. Borrowing against your home puts your home at risk if you cannot repay.
Application and account access
Apply now and Sign in lead to ShayMak’s existing external application portal. Review that portal’s privacy policy and terms before submitting personal or financial information. An application does not guarantee approval or a specific rate.
Company and licensing
ShayMak Mortgage, LLC. NMLS #1989312. Equal Housing Opportunity. Review current company and individual licensing information through NMLS Consumer Access. Program eligibility and availability depend on your situation and location.