USDA Home Loan in Tampa and Throughout All Of Florida

USDA Home Loan In Tampa and Throughout All of Florida Helping Make Home Ownership Possible And Affordable In Suburban and Rural Areas With Zero Down Payment

USDA home loan in Tampa Florida – Mortgage Loan Originator Gem Goktepe has been helping families buy their dream homes in suburban and rural areas with no down payment for over 20 years. Gem is passionate about giving everyone the opportunity to enjoy the American dream of owning their own home. His extensive experience and resources allow Gem to help make people’s dreams come true by helping them get approved for a USDA home loan so they can buy the home of their dreams with no down payment and at the lowest available interest rates on the market.

Gem Goktepe and his team at Pioneer Mortgage Funding know that people may think home ownership is an impossibility for them based on their income or lack of cash for a down payment on a home. We are passionate about helping make home ownership possible for everyone! That is why we work so hard to help make the USDA home loan approval process as smooth as possible for families looking to own a home in the suburbs or in rural areas with no down payment, and making sure that they benefit from all the government has to offer in the USDA loan programs.

Best Lender In Tampa Florida Helped Dina Get Approved In Only 8 Days Even When Her Bank Said “No”

Best mortgage lender in Tampa Florida, Pioneer Mortgage Funding, Inc. and Mortgage Loan Originator, Gem Goktepe helped their self-employed client, Dina, get approved for a self-employed loan within only 8 days.

Dina had been trying to get a loan through her bank for a few weeks without any luck. However, working with Gem Goktepe who specializes in self-employed loans and bank statement loans, Dina got approved quickly and easily.

Gem is an expert in helping people get approved, even when other lenders have said “No.”

We know that every home buyer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Our home mortgage experts are here for you and ready to help you get your USDA home loan approved at the lowest interest rate possible. You could be approved within just a few days. Click the button below to get started by contacting us now!

Contact Us Now

We Are Happy To Have Helped Hundreds Of Clients With Their USDA Loans in Tampa

We are honored to have helped hundreds of homeowners throughout Florida get approved for their USDA loans, mortgages or refinance…all at the lowest rates available on the market today!

We provide unsurpassed lending services to clients anywhere in Florida, including Tampa, Wesley Chapel, Land O’ Lakes, Lutz, Odessa, Dade City, Lakeland, Orlando, St. Petersburg, Clearwater, Sarasota, Naples just to name a few.

Here is what our clients have to say about how Mortgage Loan Originator, Gem Goktepe helped them with their residential loans, refinance loans, home equity loans, commercial loans and special loans such as USDA loans, VA loans, self-employed loans, bank statement loans, no-income loans, second chance (bankruptcy) loans, divorce refinance and jumbo loans (reviews as seen on Gem Goktepe’s Zillow Profile and Gem Goktepe’s Google Reviews).

Mortgage Broker in Tampa Florida and Wesley Chapel FL

“I’m happy to have helped thousands of happy clients get approved for their loans quickly and easily, and I’m excited to help you too!”

Gem Goktepe – Mortgage Loan Originator MLS#1812307

Call Now For A Free Consultation – (813) 771-9700

Gem Goktepe Reviews

Mr. Gem went out of his way to get us in our dream home on 28 acres, great to deal with and will recommend to family and friends, he not only did the job he said but met at closing during quarantine and waited outside in case we had issues, outstanding job Sir!

Boyette D. - Saint Leo, FL (USDA Home Loan)

Gem was very professional and helpful from start to finish. He always answered my questions very quickly. I highly recommend Gem to anyone looking to purchase.

Deb Davis - Inverness, FL (Low Credit Score)

Gem has excellent customer service, he is always working and available no matter the time!! Gem does an awesome job of taking the stress from the home buying process.

Robert Rutledge - Wesley Chapel, FL (Low Credit Score)

Mr. Goktepe was great from the start to finish. Not only did Gem fight to get us the best rate possible, it was stress free the whole way through. I would highly recommend anyone looking to buy a home to let Gem help you get you into your dream home. I’m very happy I did. Thanks Gem!😎

Nick Rice - Land o' Lakes, FL (First Time Home Buyer)

Gem is all the hype. He is always available and made the loan process easy as a result. One of his agents wasn’t always efficient but he made sure everything was taken care of. Plus we got a great rate!

Chris Himes - Temple Terrace, FL (First Time Home Buyer)

Gem is a “gem” ; because he is always one step ahead in the mortgage process ; always helpful. My loan closed quickly and without any problems. Do recommend him without any hesitation.

Maria Recio - Saint Leo, FL (Conventional Home Loan, Self-Employed)

This was the fourth time we worked with Gem. We continue to work with Gem as he is the best at what he does! He is super responsive, very detailed oriented and knowledgeable. He is always there to answer any questions you might have! This was another smooth process and we were able to close in such a short time. I highly recommend Gem to anyone looking for a trustworthy lender!

Elif Yuksel - Thonotosassa, FL (Conventional Home Loan)

Gem was very helpful in explaining the process and clarify and doubts. My closing was quick and received a favorable rate. Highly recommend his service In new purchases or refinance.

Claudia - New Port Richey, FL (Conventional Home Loan)

Gem got me a great refinance rate, he is professional, communicates quickly , great follow up work. Has a good team of professionals. I will recommend him 100%.

Urvi Parmar - Odessa, FL (First Time Home Buyer)

What is a USDA home loan?

A USDA home loan is a mortgage that is backed by the U.S. Department of Agriculture (USDA) as part of its USDA Rural Development Guaranteed Housing Loan program. USDA home loans make it easier for people to own a home in qualifying suburban and rural areas. The USDA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees the entire loan amount. USDA home loans are provided by private lenders such as banks and mortgage companies such as Pioneer Mortgage Funding.

Lock in the lowest interest rate for your USDA loan today!

Contact Gem Now

USDA Loan Benefits

In an effort to make home buying possible for people with lower income and no available cash for a down payment, the U.S. Department of Agriculture has established USDA home loan programs. Also, one of the goals of the USDA home loan programs is to help our nation’s smaller rural communities thrive by making land and property more affordable.

These USDA home loan programs make it easier and more affordable for people to make their dreams of owning a home come true. There are several reasons why it is beneficial to take advantage of the USDA home loan programs.

UDSA home loans offer the following benefits:

No down payments

The USDA mortgage loan program allows applicants with qualifying income and credit to purchase their home with zero down payment. This is perfect if you do not have the available cash for a down payment on a home. These USDA loan programs allow you to finance 100% of your home loan value.

No monthly mortgage insurance

Unlike Conventional mortgage loans and FHA mortgage loans, USDA mortgage loans do not require you to pay for mortgage insurance. The home loan is completely guaranteed by the USDA. This means that more money can go directly towards paying your actual loan amount every month.

Flexible credit guidelines

The USDA mortgage loan program also allows some borrowers with less than perfect or limited credit histories to qualify for their home loan. Since the USDA does not specify a minimum credit score, there is flexibility in getting approved for a USDA home loan even if your credit is poor.

Competitive, fixed interest rates

Since a USDA loan is insured by the USDA, the lowest interest rates on the market can be offered. In addition to the interest rates being very competitive, interest rates offered are also fixed. Fixed interest rates allow a home buyer’s monthly payments to remain constant, not increasing when interest rates rise.

USDA Loan Requirements

The United States Department of Agriculture sets the rules for who may qualify for a USDA home loan, and issues minimum guidelines and requirements under which mortgages may be offered.

You may qualify for a USDA home loan in Florida if you meet the following requirements:

  • The home you are going to buy is in a designated USDA approved suburban or rural area;
  • The home you are going to buy is going to be your primary residence;
  • Your yearly income must not exceed the maximum yearly income set for that area by the USDA;
  • The USDA will evaluate your credit history in an effort to ascertain your willingness to meet repayment obligation;

We are proud to have helped hundreds of families throughout the state of Florida make their dreams of owning a home a reality by helping them get approved for a USDA home loan. Our USDA home loan experts have extensive experience and will take the time to sit with you and determine your eligibility for a USDA home loan as well as inform about the areas approved for USDA home loans.

As a first step in determining your eligibility for a USDA mortgage, Gem is happy to offer you a free USDA mortgage consultation to discuss the details of your eligibility. Give Gem a call now at (813) 771-9700 to schedule your free consultation USDA mortgage consultation.

USDA Loan Rates

Our USDA loan lenders can get you the best USDA loan rates guaranteed, with no hidden fees.

Having access to a wide range of investment tools and products allows us to offer some of the lowest current mortgage rates in the United States.

We can help you save hundreds of dollars a month. Get one of the best deals guaranteed! Speak directly with our USDA loan expert, Gem Goktepe right now by calling (813) 771-9700.

USDA Mortgage Calculator

For your convenience, you can calculate your estimated monthly mortgage payments using the USDA home loan calculator below. You have the option of having the PDF of the estimated monthly principal and interest payment schedule emailed directly to you as well.

Simply fill out the form below by editing the numbers according to your mortgage amount, estimated interest rate, down payment and terms and click “Calculate” and an amortization schedule will be generated.

USDA Mortgage Calculator

How To Apply For Your USDA Loan

Our USDA loan specialists will help make your USDA loan application process as quick and easy as possible. With our vast experience, expertise and resources we are able to streamline the whole loan application and approval process to make it faster, easier, and hassle-free. You can start the USDA loan application process today by contacting Gem right now!  Simply filling out the form below and Gem will get back in touch with you shortly.

Start The Process For Your USDA Home Loan Application Now

Our USDA mortgage lenders are passionate about helping people just like you make their dreams of home ownership come true! To get started with your USDA loan application, simply fill out the form below and our USDA mortgage specialists will contact you shortly:

    Mortgage Lender For USDA Loans In Tampa - Directions To Pioneer Mortgage Funding, Inc.