Local mortgage broker
If you’ve been searching for a usda loan near you, you’re in the right place. CDL Mortgage Services Inc. is a licensed, independent mortgage broker headquartered at 6524 Lonetree Blvd, Rocklin, CA 95765, serving borrowers across California, Texas, Georgia, Tennessee, Oklahoma, and Idaho. Every file is handled start-to-finish by a licensed loan officer — never a call center.
Working with a nearby broker matters. We know the local markets, the county loan limits, and the title and escrow teams in your area — and because we shop multiple wholesale lenders on every usda loan, “near me” never means settling for one bank’s pricing. $0 down home loans in eligible rural and suburban areas.
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.
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 every borrower.
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.
Find USDA loans details for your city or county below.