Ryan Harding with Security Home Mortgage is a USDA-approved loan lender who provides a variety of lending services throughout Utah county, including Orem. USDA home loans are available to potential homebuyers who desire to live in rural areas of Utah. Individuals must meet specific criteria to qualify for this specialty loan, including income, location of the property, household expenditures, and government funding. If you are considering purchasing a home in the Orem, UT, area, turn to Security Home Mortgage. Our USDA loan lender, Ryan Harding, will review your options and explain USDA mortgage loans.

USDA Home Loan Advantages

A USDA mortgage loan is backed through the government and guaranteed through the United States Department of Agriculture, or USDA. The primary objective of this program and financing option is to promote property ownership in the rural areas of Orem, UT. Since its inception, the USDA Guaranteed Loan Program has provided countless opportunities for homeownership to individuals who would otherwise never qualify for conventional lending options.

USDA mortgage loans have several benefits for the homeowner that are unavailable to standard home and FHA loans. These advantages include:

Financing Your PMI – You have the ability to roll the required premium, which is 2% of the loan amount, into your financing with a USDA loan.
Reduced Private Mortgage Insurance (PMI) – When a borrower cannot provide a minimum down payment of 80% of the loan-to-value, regardless of the kind of loan it is, PMI is required. If a borrower takes advantage of the no down payment associated with a USDA loan, they’ll be paying for PMI at a reduced rate compared to other loans.
No down payment required– One of the biggest obstacles that home buyers face when purchasing a home is accumulating the funds required for a down payment. USDA loans remove this hurdle because down payments are not required.
Lower Interest Rate – With USDA mortgage loans, borrowers are given lower interest rates that are not based upon their credit scores or down payment amount. This is because USDA mortgage loans are backed and insured by the U.S. Department of Agriculture, so the rates are guaranteed to be low.
Flexible Credit Requirements – The USDA loan program allows borrowers with less-than-ideal credit to qualify for USDA financing.

Start your Home Buying Process Now!

Learn if you qualify for a USDA home loan in Orem today by contacting Ryan Harding, Mortgage Banker with Security Home Mortgage at 801-228-0937. He is available to answer any questions you have and begin the paperwork for your USDA loan for the home you want in the Utah County area.

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"Ryan worked with my wife and I for our first home and it seemed that he was a constant advocate for our interest. For first time home buyers, this was a necessity as we didn't have a lot of knowledge in this particular area and in hind-sight I can see how big of an asset he truly was for the whole process."

Jonathan & Lynette Bowers
"I've worked with Ryan Harding as both a Realtor and as a customer for my own home financing. He is professional and always responsive to my needs. I would recommend him to anyone looking for a home loan."

Jason Bringhurst
"My experience working with Ryan was absolutely wonderful and positive in every way! As a first time home buyer I had a lot of questions and was quite inexperienced with the whole process. Ryan was very patient and extremely helpful; he was great at answering all my questions and made himself available when needed. He made what might have been a stressful situation a very positive and smooth one!"

Mandi Anderson
"On top of all the great service Ryan gave us, we had a problem near the end of the process with the seller and Ryan went above and beyond the call of duty to help us. He personally contacted the seller's agent and solved the problem for us. Ryan is truly outstanding at his job and his integrity is second to none. You will not be disappointed if you use Ryan's services."

Ron & Bonnie Frohlich
"Ryan was always willing to listen and kept us updated on each step as things were processing. He also worked around whatever time frame we needed with our work schedules. I would recommend Ryan in a heartbeat and we are forever grateful to Ryan for helping us get our own home sweet home."

Ben & Dara Blanchette
"Mr. Harding was a great person to work and did everything he promised to do. He followed up and made all the necessary phone calls to get the job done. He really amazed my wife and I with his proactive attitude and take care of business. When we buy a home in the future we will make sure to come back and work with Mr. Harding."

Brandon & Jenelle Boyd