Serving Alameda County, CA
USDA Rural Development home loans in Alameda County, CA with $0 down payment and below-market rates. CDL Mortgage checks property eligibility and income limits to get qualified buyers into homes with no down payment.
Why CDL MTG
A specialized lending team, a transparent process, and real people you can reach by phone.
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Programs built around real situations — self-employed, investment property, manufactured homes and more.
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Licensed loan officers who know local escrow, title, appraisal and market conditions — not a call center.
The Process
Four simple steps from first call to closing table.
A quick, no-pressure conversation about your goals, timeline and budget.
A short, secure checklist tailored to your loan — no guesswork, no busywork.
We shop lenders, review your Loan Estimate line by line, and issue your approval.
We keep you, your agent and escrow updated through funding day.
Local Expertise
CDL Mortgage Services Inc. helps buyers and homeowners across Alameda County navigate the USDA loans process from first conversation to final signature. As a California-based lender headquartered in the Bay Area area, our loan officers know the local market, local escrow and title practices, and what it takes to compete for homes in Alameda County.
Every file is handled by a licensed loan officer — not a call center. We shop multiple wholesale lenders on your behalf to find competitive pricing, walk you through your Loan Estimate line by line, and keep you, your agent, and escrow updated at every milestone so there are no surprises at the closing table.
Beyond USDA loans, Alameda County clients also come to us for USDA loan, zero down home loan, rural development loan, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
How It Works
A USDA Guaranteed Rural Housing loan offers 100% financing in eligible areas. Those areas are far broader than most buyers expect, including many suburbs and small towns near major metros.
The address must fall inside a USDA-eligible area. We check the map before you tour homes.
Household income must fall under the county limit, which counts all adult household income, not just borrowers.
True 100% financing — no down payment required and closing costs may be gifted or seller-paid.
A one-time upfront fee that can be financed plus a small annual fee, both lower than comparable FHA mortgage insurance.
The home must meet USDA condition standards as a safe, sanitary, owner-occupied primary residence.
Files pass through USDA in addition to the lender, which adds a few days. We plan your closing date around it.
Your Options
USDA is narrow in eligibility and generous in terms. These are the details that decide whether it fits.
Honest Advice
When the property and income both qualify, USDA is frequently unbeatable. When they do not, we pivot fast.
Zero down with lower monthly fees than FHA is the best value available outside a VA loan.
The program is designed for you, and the limits are higher than most buyers assume.
Combined with seller credits, many buyers close with almost nothing out of pocket.
City addresses generally fail the map test. FHA or conventional 3% down is the alternative.
A working adult household member can push you over the limit even if they are not on the loan.
Agency review adds days. If the contract demands a rapid close, another program is safer.
Service Area
Serving Oakland, Fremont, Alameda, Albany, Berkeley, Dublin, Emeryville, Hayward, Livermore, Newark, Piedmont, Pleasanton, San Leandro, Union City, and every community across Alameda County, California.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Alameda County borrowers.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
A USDA loan is a $0-down mortgage backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas. Rates are often below conventional, and no down payment is required.
Eligibility is based on the property’s location — many suburban areas on the edges of metro regions qualify, not just farmland. We’ll run any address through the USDA eligibility map for you in minutes.
Yes. Household income generally can’t exceed 115% of the area median income for your county. We’ll verify your county’s limit and structure the application correctly.
USDA loans carry a 1% upfront guarantee fee (which can be financed) and a low 0.35% annual fee — significantly cheaper than FHA mortgage insurance in most cases.
Ready to Start
Talk to a licensed loan officer — no obligation, no pressure.
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