Get Pre-Approved

At T.C. James Homes, we take pride in providing a diverse range of loan options to cater to our buyers’ unique financing needs and preferences. USDA Direct Home Loans and Change Home Mortgage, our preferred lender, are two distinct mortgage solutions aimed at helping individuals and families realize their dream of homeownership. Each program offers unique benefits to cater to a wide range of borrowers and financial situations. Here’s a combined description of both programs:

USDA Direct Home Loans, also known as Section 502 Direct loans, are administered directly by the United States Department of Agriculture (USDA). These loans are specifically designed to assist low and very-low-income households in rural areas. Key features include:

  • Low Interest Rates
  • Zero Down Payment
  • Income Limits
  • Low Monthly Payments

To get pre-approved, scan or call 559-623-9686.