USDA Loans
Rob and the Mad City Home Loans Team proudly serve Wisconsin, Illinois, Iowa, Minnesota, Michigan, Florida, Texas, North Dakota, South Dakota, Colorado, and Washington.
Rob and Mad City Home Loans provides USDA loan solutions for buyers looking to purchase homes in eligible rural and suburban areas with affordable, low-down-payment options. These programs are designed to make homeownership more accessible while keeping the financing process clear, straightforward, and easy to understand.
With over 20 years of experience, Rob helps clients determine eligibility, understand USDA program requirements, and structure their loan the right way. His approach combines practical guidance with personalized planning, ensuring each client moves forward with confidence, clarity, and full support from application through closing.
How it works
Apply
Start with Clarity and Confidence
Not sure if a USDA loan is the right fit? We’re here to help you understand eligibility, program requirements, and available options. USDA loans are designed to make homeownership more affordable for eligible buyers while keeping the process clear, structured, and easy to follow.
1
Explore Custom Loan Options
Receive personalized USDA loan recommendations based on your income, household size, location, and eligibility requirements. We’ll review current interest rates, estimated payments, and USDA guidelines to help you understand how this program can work for your situation. Schedule a consultation to get started.
2
Get Pre-Approved
Complete a secure online application to begin the USDA pre-approval process. We’ll review your information to confirm program eligibility and determine your estimated buying power before you start shopping for a home.
3
Move Toward Closing
Access your Rob and Mad City Home Loans to-do list, securely upload documents, and track your loan progress using your smartphone or computer. Our organized, step-by-step process helps keep your USDA loan moving forward smoothly.
4
After Closing Support
Your relationship with Rob and Mad City Home Loans continues after closing. Stay connected for future refinance opportunities, loan reviews, and educational resources. We also recommend scheduling an annual mortgage checkup to ensure your loan continues to support your long-term goals.
Mortgage Process
1. Initial Phone Consultation
Your USDA mortgage journey begins with an initial phone consultation focused on clarity and eligibility. We’ll review USDA loan basics, income and property requirements, and how the overall process works. We’ll also estimate your buying power and discuss realistic monthly payment expectations. You’ll receive a clear checklist of documents needed for pre-approval.
2. Pre-Approval Consultation
After your application is submitted, we’ll schedule a detailed pre-approval consultation. During this call, we review your income, assets, household size, and credit to confirm USDA eligibility. We explain everything in plain language and answer your questions. Once complete, you’ll receive a pre-approval letter to support your home search.
3. Shopping for a Home
With pre-approval in hand, you’ll work with a real estate agent to find homes located in USDA-eligible areas that fit your needs and budget. Your agent will help with showings, pricing strategies, and neighborhood insights. When you’re ready to make an offer, your pre-approval shows sellers you’re financially prepared.
4. Loan Application Consultation
Once your offer is accepted, we move into the formal USDA loan application phase. We’ll review your full application together, confirm accuracy, and discuss loan structure details, payments, and USDA-specific guidelines. You may also choose to lock your interest rate to protect against market changes.
5. Document Collection and Review
We’ll collect any remaining documents required to support your USDA loan file, including updated income, employment, or asset information. Our team carefully reviews everything to ensure compliance with USDA and lender guidelines, helping prevent delays later in the process.
6. Insure Your Home
Homeowners insurance is required for USDA loans and protects your investment. You’ll begin shopping for coverage, often starting with your current insurance provider. If needed, we can connect you with trusted insurance professionals. Proof of coverage is collected to keep your loan moving forward.
7. Appraisal and Inspection
We’ll order a USDA appraisal to confirm the property meets value and safety standards. This protects both you and the lender. You may also choose to schedule a home inspection, which is highly recommended to identify potential issues before closing.
8. Processing and Underwriting
During processing, we verify all loan details, including income, employment, assets, and property information. Third-party verifications are completed, and the appraisal is reviewed. Your file is then submitted to underwriting and USDA for final review and approval.
9. Conditional Loan Approval
After underwriting and USDA review your file, you’ll typically receive a conditional approval. This means the loan is progressing, though additional documents or clarifications may be required. These requests are common, and we’ll guide you through each step clearly and efficiently.
10. Final Loan Approval (Cleared to Close) & Pre-Closing Consultation
Once all conditions are satisfied, your loan is officially cleared to close. We’ll schedule a pre-closing consultation to review final steps and ensure you know what to expect leading up to closing day.
11. Final Closing Disclosure Consultation
Before closing, you’ll receive your Closing Disclosure outlining final loan terms, monthly payments, and closing costs. We’ll review it together, confirm the closing date, time, and location, and answer any final questions.
12. Closing
Closing day is when your USDA loan is finalized. You’ll sign your mortgage documents, complete any required payments, and finalize the transaction. For purchases, this is when ownership officially transfers and you receive the keys to your new home.
13. After Closing & Beyond
Your first mortgage payment is typically due about one month after closing. We’ll provide clear instructions and continued support. From here on, you become a Client for Life with Rob and Mad City Home Loans. With over 20 years of experience, Rob continues to look for opportunities to improve your mortgage strategy through refinancing, loan optimization, or future home purchases.
Contact Us
Get in Touch
Have a question about your mortgage or next steps? Send us a message and our team will get back to you as soon as possible.
