Middleton Realty, Inc. | Atlantic Beach Real Estate, Jacksonville Beach Real Estate


The U.S. Department of Agriculture (USDA) offers multiple housing assistance programs for people hoping to achieve home ownership.

In spite of being offered by the USDA, you don’t need to be a farmer or rancher of any kind to qualify for a home loan. Similarly, you don’t have to buy a home miles from civilization--many popular, thickly-settled suburbs across the country also qualify for USDA programs.

In this article, we’re going to explain the different programs offered by the USDA, how to check your eligibility, how to find out which locations qualify, and how to get started with a loan.

USDA Assistance Programs

The USDA offers two types of home loans for prospective buyers. The direct program, or Section 502 Direct Loan Program, is designed to help low-income persons to acquire safe, affordable housing. The assistance for this loan comes in the form of a subsidy that can be applied directly to the applicant’s mortgage, reducing monthly mortgage payments for a certain period of time.

Another type of home loan offered by the USDA is the Single Family Home Guarantee. Much like an FHA or first-time homeowner’s loan, this type of mortgage is insured by the government. As a result, buyers can often qualify for lower interest rates and smaller down payments from their lenders.

Guarantees may be applied towards the purchase, rebuilding, or building of a rural home as an incentive to developing rural areas. Later, we’ll talk about what is considered “rural.”

Outside of help with buying homes, the USDA also provides grants and loans for repairing and modernizing rural homes.

Who is eligible for USDA mortgage assistance?

In general, those applying for USDA assistance must meet certain criteria. Applicants must meet income eligibility, be a U.S. citizen or qualified noncitizen, and must purchase a qualifying property.

For the Direct loan program, applicants must be without safe or sanitary housing and be unable to secure housing through other means. Whereas for USDA guaranteed loans, applicants need only fall under the maximum income limit.

To find out if you’re eligible immediately, fill out an eligibility form from the USDA.

How do I know which houses qualify?

Generally speaking, homes located within large, metropolitan cities won’t qualify for USDA loans. However, suburbs just outside of some larger cities often do. For example, towns located just a half hour’s drive outside of Boston have a good chance of being eligible.

To view the map of property eligibility, simply fill out the online eligibility form.

How Do I Get Started?

If you’re seeking a direct loan, you’ll have to contact your local Rural Development office. Applications for a direct loan are accepted year-round and are awarded based on funding availability.

For people looking for a private loan guaranteed by the USDA, applicants should contact an approved lender in the area. The lender will then work with the USDA loan specialist in your state.


When you move into a house, the aisles of paint at the hardware store can seem awfully overwhelming. How will you ever choose a color for each area of your home? Adding color to a home is part of what will make it your own. One of the last things that you may think of is the color of your front door. Instead of painting the entire exterior of your home, it might be a good idea to look at your front door. 


It’s not a sin to think outside of the box when it comes to the color of your front door. Why not let your house stand out from the crowd? There’s many different colors that pop out and make great additions to any front door. We’ll break down some of the great possibilities for your front door here.


Red


Red is a great color because it goes well with many neutral tones. It brings a bit of life to a sometimes rather bland exterior color of the home. You can put a red door on a home that is a shade of tan, gray, or even white. Keep in mind that there’s also many different shades of red for you to choose from that allow you to find the tone and feel that works for you. 


Yellow Or Orange


You can certainly welcome visitors with a touch of cheeriness right at your front door. Yellow brings a certain kind of warmth to the entrance of your home. Yellow goes well with white, grays, tans, even brick and stone exteriors.


Orange needs to be used carefully. With the right tones surrounding it, you can make use of orange on your front door to make your home a bit more welcoming. Shades of orange work well with grays, blues, greens, and white exteriors. 


Earthy Tones: Green And Blue


Green and blue are great colors to help your home stand out from the crowd and provide a touch of style and warmth right at the front door. There are so many shades of green to choose from. You can go with a light green such as mint or lime. You can also choose a darker shade of green like olive or avocado. 

Green shades on a door pair well with whites, browns, tans, stone, cream, grays, and even shades of blue. 


Blue is often a color that we use more indoors. There’s so many different shades of blue that are available. Blue doors pair well with an exterior that is gray, white, tan, stone, brick, or gray.


You can really use the front door of your home as an element of surprise. When you think of what colors go together, it’s hard to go wrong with a bold front door.


Your living room is one of the most used rooms of the house. It’s where the family gathers and company comes to chat. If the furniture in your living room is not arranged comfortably, then you may not enjoy the space as much as you should. Heed the tips below in order to get the furniture in the living room is arranged for comfort and practicality.  


See How Conversations Will Play Out


You want your living room to be a place where face-to-face conversation actually thrives. Even in the age of the smartphone, people still like a certain kind of connection with one another. Make sure that food and drinks will be in easy reach and that the seating is arranged in a way that allows everyone to be involved with a conversation. 


Use Dividing Factors


If you have a large living room, you’ll need to divide the space with either a room separation apparatus or a piece of furniture. Using furniture actually keeps the room cozy and free from feeling stuffy. If the living room bleeds into another room with an open floor plan, this becomes especially important. Use a sofa, and allow it to face away from the dining area in order to divide the conversation spaces and keep your home’s interior design flowing. 


Use A Focal Point


Most living rooms have a TV or a fireplace, or both. You can keep both on the same wall, or create separate spaces for both activities in order to have some division in the room. There are many different strategies that can be used in order to keep both the fireplace and the television in the same space without making a dizzying focal point.


Think Outside The Box


By arranging your furniture at a diagonal, or different angle than simple straight lines, you’ll be able to give your living room some flavor. First, set the sofa and the coffee table, then create the rest of the space around these establishing angles. This will make the room feel bigger and give it a sense of symmetry with flavor.          


Matching Furniture Gives Flow


By getting matching sofas, chairs, and side tables, you’ll be able to create a sense of symmetry in the room. The way you arrange the furniture ultimately depends on your needs and tastes, but you’ll have a few anchoring pieces to work with that will allow you to make the living room your canvas and your furniture your subjects. Have fun playing with the layout and design of the room. There’s really no right or wrong answers, just simply what will make you happy and what looks good in the space.



This listing recently sold for $195,000.

5919 Davon St, JACKSONVILLE, FL 32244  

Residential
$195,000
Price
$195,000
Sale Price
4
Bedrooms
2
Baths
BRAND NEW FOUR BEDROOM TWO BATH HOME ON QUARTER ACRE LOT. PRIVATE, RURAL SETTING BUT CLOSE TO EVERYTHING. TWO CAR GARAGE, INSIDE LAUNDRY, LARGE OPEN KITCHEN/DINING/LIVING AREAS, STAINLESS APPLIANCES BIG MASTER BEDROOM. TWO HOMES AVAILABLE AND READY FOR MOVE IN (5925 DAVON). PHOTOS BY BOLD CITY PHOTOGRAPHY.


As a home seller, you're almost ready to list your home on the real estate market. For instance, you've committed a lot of time and money to complete extensive home repairs, conducted massive amounts of cleaning and even started working with a professional real estate agent. But even after all of your efforts, you still need to complete several last minute tasks to ensure your house is ready for prospective homebuyers to check it out. So what does it take to guarantee your house is ready for a home showing? Here are three last minute tips for home sellers to get a residence prepared for an upcoming showing: 1. Focus on the Flow of Traffic. Is it easy for homebuyers to get around your house? If large, bulky furniture and clutter fill your residence's walking paths, it may be difficult for homebuyers to walk around comfortably. Therefore, you'll want to spend some time investigating the traffic flow in each room of your home and ensure that homebuyers can explore your entire residence quickly and effortlessly. In the hours leading up to a home showing, you can improve the flow of traffic in any room simply by rearranging furniture as needed. Remember, you'll want to give homebuyers plenty of space, and moving furniture to ensure homebuyers can move around with ease is critical. You also can rely on your real estate professional for support in this area, as he or she will be able to provide you with last minute guidance to empower you to maximize the flow of traffic in every room. 2. Hide Your Personal Items. You know the photographs, trophies and other personal belongings that fill various rooms in your home? In order to provide a great first impression of your house, you may want to consider hiding these items before your home showing. The goal of a home showing is to give homebuyers a glimpse into what life would be like if they choose to purchase your residence. And if you keep your personal belongings out of sight, you can empower homebuyers to realize your home's potential and improve your chances of making a distinct first impression on homebuyers, too. Take a few minutes to place personal items in a desk drawer, a box in your attic or basement or other areas where these pieces will be out of sight during a home showing. By doing so, you can help your house create a unique impression, one that may make your home more attractive to prospective homebuyers. 3. Keep Your Home Clean. Ensure you make your bed, clean up your kitchen after breakfast and perform other last minute cleaning tasks to guarantee your home looks pristine. Ideally, any last minute cleaning tasks should only take a few minutes to perform. But ultimately, these efforts can make a world of difference in the eyes of prospective homebuyers. Guarantee your home is ready for an upcoming home showing – utilize the aforementioned tips, and you'll be able to accentuate the positives of your home to homebuyers at any time.