{"id":347,"date":"2024-10-21T17:08:27","date_gmt":"2024-10-21T17:08:27","guid":{"rendered":"https:\/\/lincolncapitalfunding.com\/?page_id=347"},"modified":"2024-11-06T22:09:25","modified_gmt":"2024-11-06T22:09:25","slug":"usda","status":"publish","type":"page","link":"https:\/\/lincolncapitalfunding.com\/?page_id=347","title":{"rendered":"USDA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"347\" class=\"elementor elementor-347\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27203b04 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"27203b04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-57930075 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"57930075\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32aa0965 elementor-widget elementor-widget-heading\" data-id=\"32aa0965\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">USDA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f90a4f6 elementor-widget elementor-widget-text-editor\" data-id=\"4f90a4f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The USDA Loan option at Lincoln Capital Fundings provides 100% financing for eligible rural and suburban homebuyers, making it an ideal choice for those with moderate or low income. Backed by the U.S. Department of Agriculture, this loan offers low interest rates and reduced mortgage insurance costs, supporting affordable homeownership in designated areas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a22089 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"4a22089\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4846c882 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"4846c882\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13d05f8 eael_simple_menu_hamburger_disable_selected_menu_no eael-simple-menu-hamburger-align-right eael-hamburger--tablet elementor-widget elementor-widget-eael-simple-menu\" data-id=\"13d05f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-simple-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n                        @media screen and (max-width: 1024px) {\n                            .eael-hamburger--tablet {\n                                .eael-simple-menu-horizontal,\n                                .eael-simple-menu-vertical {\n                                    display: none;\n                                }\n                            }\n                            .eael-hamburger--tablet {\n                                .eael-simple-menu-container .eael-simple-menu-toggle {\n                                    display: block;\n                                }\n                            }\n                        }\n                        .eael-simple-menu-container.eael-simple-menu--loading > ul {\n                            display: -webkit-box !important;\n                            display: -ms-flexbox !important;\n                            display: flex !important;\n                            list-style: none !important;\n                        }\n                        .eael-simple-menu-container.eael-simple-menu--loading li ul {\n                            visibility: hidden !important;\n                            opacity: 0 !important;\n                        }\n                    <\/style>            <div data-hamburger-icon=\"&lt;svg aria-hidden=&quot;true&quot; class=&quot;e-font-icon-svg e-fas-bars&quot; viewBox=&quot;0 0 448 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M16 132h416c8.837 0 16-7.163 16-16V76c0-8.837-7.163-16-16-16H16C7.163 60 0 67.163 0 76v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" data-indicator-icon=\"&lt;svg aria-hidden=&quot;true&quot; class=&quot;e-font-icon-svg e-fas-angle-down&quot; viewBox=&quot;0 0 320 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" data-dropdown-indicator-icon=\"&lt;svg class=&quot;e-font-icon-svg e-fas-angle-down&quot; viewBox=&quot;0 0 320 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" class=\"eael-simple-menu-container eael-simple-menu--loading eael-simple-menu-align-left eael-simple-menu-dropdown-align-left preset-1\" data-hamburger-breakpoints=\"{&quot;mobile&quot;:&quot;Mobile Portrait (&gt; 767px)&quot;,&quot;tablet&quot;:&quot;Tablet Portrait (&gt; 1024px)&quot;,&quot;desktop&quot;:&quot;Desktop (&gt; 2400px)&quot;,&quot;none&quot;:&quot;None&quot;}\" data-hamburger-device=\"tablet\">\n                <ul id=\"menu-loan-options\" class=\"eael-simple-menu eael-simple-menu-dropdown-animate-to-top eael-simple-menu-indicator eael-simple-menu-vertical\"><li id=\"menu-item-486\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-486\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=341\">Conventional<\/a><\/li>\n<li id=\"menu-item-487\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-487\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=343\">FHA<\/a><\/li>\n<li id=\"menu-item-488\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-488\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=351\">Home Equity Loan<\/a><\/li>\n<li id=\"menu-item-489\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-489\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=349\">Jumbo<\/a><\/li>\n<li id=\"menu-item-490\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-490\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=353\">Non-QM<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-491\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-491\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=357\">Bank Statement Loans<\/a><\/li>\n\t<li id=\"menu-item-492\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-492\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=355\">DSCR Loans<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-493\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-493\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=347\">USDA<\/a><\/li>\n<li id=\"menu-item-494\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-494\"><a href=\"https:\/\/lincolncapitalfunding.com\/?page_id=345\">VA<\/a><\/li>\n<\/ul>                <button class=\"eael-simple-menu-toggle\">\n                    <span class=\"sr-only \">Hamburger Toggle Menu<\/span>\n                    <svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bars\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M16 132h416c8.837 0 16-7.163 16-16V76c0-8.837-7.163-16-16-16H16C7.163 60 0 67.163 0 76v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16z\"><\/path><\/svg>                <\/button>\n            <\/div>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a9747a1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"6a9747a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-746b6bcf elementor-widget elementor-widget-heading\" data-id=\"746b6bcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is a USDA Loan Right for You?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78c72f36 elementor-widget elementor-widget-text-editor\" data-id=\"78c72f36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><br \/>A USDA loan, backed by the U.S. Department of Agriculture, is a mortgage designed to promote homeownership in rural and suburban areas. It offers benefits like zero down payment, low interest rates, and reduced mortgage insurance costs, making it ideal for moderate- to low-income homebuyers looking for affordable financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-405dbfcc elementor-widget elementor-widget-heading\" data-id=\"405dbfcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is a USDA Loan Right For?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-436ccee3 elementor-widget elementor-widget-text-editor\" data-id=\"436ccee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Homebuyers with Moderate to Low Income<\/strong> &#8211; Those who meet income limits set by the USDA based on location and household size.<\/p><p><strong>Buyers Looking in Rural<\/strong>\u00a0&#8211; Ideal for those purchasing in USDA-designated eligible areas.<\/p><p><strong>Borrowers Needing Minimal Down Payment<\/strong> &#8211; USDA loans offer 100% financing, meaning no down payment is required.<\/p><p><strong style=\"color: var( --e-global-color-text ); font-size: 1rem;\">First-Time Homebuyers<\/strong><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\"> &#8211; USDA loans are accessible to first-time buyers, offering a path to homeownership with affordable monthly payments.<\/span><\/p><p><strong>Those Looking to Avoid High Mortgage Insurance Costs<\/strong> &#8211; USDA loans typically have lower mortgage insurance fees than FHA loans.<\/p><p><strong>Homebuyers Prioritizing Lower Monthly Costs<\/strong> &#8211; The program offers low interest rates and reduced mortgage insurance, making monthly payments more affordable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a7365d elementor-widget elementor-widget-heading\" data-id=\"61a7365d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits of an USDA Loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-269b3ab3 elementor-widget elementor-widget-text-editor\" data-id=\"269b3ab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Zero Down Payment<\/strong> &#8211; USDA loans offer 100% financing, allowing eligible buyers to purchase a home with no down payment.<\/p>\n<p><strong>Lower Interest Rates<\/strong> &#8211; Competitive rates are offered since the loans are government-backed, often lower than conventional loan rates.<\/p>\n<p><strong>Reduced Mortgage Insurance Costs<\/strong> &#8211; USDA loans have lower mortgage insurance premiums compared to FHA loans, which can lower monthly payments.<\/p>\n<p><strong>Improved Homeownership Opportunities<\/strong> &#8211; Specifically designed for rural areas, it promotes homeownership in underserved regions.<\/p>\n<p><strong>Inclusive Eligibility for Moderate- to Low-Income Buyers<\/strong> &#8211; This loan caters to borrowers with income limits based on location, offering accessible financing options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2f72b3 elementor-widget elementor-widget-text-editor\" data-id=\"f2f72b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s important to note that USDA loans also come with some drawbacks, such as mortgage insurance premiums (MIP) that can increase the overall cost of the loan. Additionally, there are limits on how much you can borrow with an USDA loan, which may not be suitable for high-cost markets.<\/p><p><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">Ultimately, whether an USDA loan is right for you depends on your financial situation, credit history, and homeownership goals.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">At Lincoln Capital Funding we\u2019ll carefully review your unique financial details to help identify the mortgage loan option that best suits your needs, ensuring a personalized and informed decision for your home financing.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f19c640 elementor-tablet-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f19c640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lcf.my1003app.com\/1627200\/register\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply for a Loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-681d34d6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"681d34d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-360503e4 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"360503e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76998de0 elementor-widget elementor-widget-heading\" data-id=\"76998de0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What our clients say about us.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e557140 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"4e557140\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-22a94c26 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"22a94c26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb31de0 wpr-testimonial-slider-columns-1 wpr-testimonial-slider-columns--tablet1 wpr-testimonial-slider-columns--mobile1 wpr-testimonial-rating-style_2 wpr-testimonial-triangle-yes wpr-testimonial-meta-position-bottom wpr-testimonial-meta-align-center wpr-testimonial-image-position-center elementor-widget elementor-widget-wpr-testimonial\" data-id=\"5cb31de0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;testimonial_amount&quot;:&quot;1&quot;,&quot;testimonial_slides_to_scroll&quot;:1,&quot;testimonial_amount_tablet&quot;:&quot;1&quot;,&quot;testimonial_amount_mobile&quot;:1,&quot;testimonial_loop&quot;:&quot;yes&quot;}\" data-widget_type=\"wpr-testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-carousel-wrap\">\n\t\t\t\n\t\t\t<div class=\"wpr-testimonial-carousel\" dir=\"ltr\" data-slick=\"{&quot;rtl&quot;:false,&quot;infinite&quot;:true,&quot;speed&quot;:700,&quot;arrows&quot;:true,&quot;dots&quot;:true,&quot;autoplay&quot;:false,&quot;autoplaySpeed&quot;:1000,&quot;pauseOnHover&quot;:&quot;&quot;,&quot;prevArrow&quot;:&quot;#wpr-testimonial-prev-5cb31de0&quot;,&quot;nextArrow&quot;:&quot;#wpr-testimonial-next-5cb31de0&quot;,&quot;sliderSlidesToScroll&quot;:1}\" data-slide-effect=\"slide\">\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-10f8a8f elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"wpr-testimonial-image\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/4.png\" alt=\"Sarah T.\">\n\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">Sarah T.<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-job\">CEO<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p><p><em>\"Lincoln Capital Funding made buying my first home a breeze! The process was fast, and the team was incredibly helpful every step of the way. I couldn\u2019t have asked for a better experience and highly recommend them for anyone looking for a hassle-free home loan!\"<\/em><\/p><\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-8d45745 elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"wpr-testimonial-image\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/3.png\" alt=\"Michael L.\">\n\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">Michael L.<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-job\">CEO<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p><p>I approached Lincoln Capital Funding for a business loan, and they exceeded my expectations. The terms were flexible, and the entire process was transparent and straightforward. Thanks to them, I was able to expand my business seamlessly!<\/p><\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"wpr-testimonial-item elementor-repeater-item-618f63d elementor-clearfix\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta elementor-clearfix\">\n\t\t\t\t\t\t\t\t<div class=\"wpr-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"wpr-testimonial-image\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/2.png\" alt=\"Emily R.\">\n\t\t\t<\/div>\n\t\t\n\t\t\t\n\t\t<div class=\"wpr-testimonial-meta-content-wrap\">\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-name\">Emily R.<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-job\">CEO<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t<div class=\"wpr-testimonial-content-wrap\">\n\t\t\t<div class=\"wpr-testimonial-content-inner\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\n\n\t\t\t<div class=\"wpr-testimonial-rating\">\n\t\t\t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\n                                    \n                                                    <i class=\"wpr-rating-icon-full\">&#9734;<\/i>\n                        \n                                    \n\n\t     \t\n\t     \t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"wpr-testimonial-content\">\n\t\t\t\t\t\n\t\t\t\t\t<p><p>Lincoln Capital Funding helped me secure a car loan with great rates and minimal paperwork. Their customer service was outstanding, and they made sure I fully understood the terms before moving forward. I\u2019ll definitely work with them again for future financial needs!<\/p><\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t    \n\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div class=\"wpr-testimonial-controls\">\n\t\t\t\t<div class=\"wpr-testimonial-dots\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"wpr-testimonial-arrow-container\">\n\t\t\t\t<div class=\"wpr-testimonial-prev-arrow wpr-testimonial-arrow\" id=\"wpr-testimonial-prev-5cb31de0\">\n\t\t\t\t\t<svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" x=\"0px\" y=\"0px\" viewBox=\"0 0 283.4 512\" style=\"enable-background:new 0 0 283.4 512;\" xml:space=\"preserve\"><g><polygon class=\"st0\" points=\"54.5,256.3 283.4,485.1 256.1,512.5 0,256.3 0,256.3 27.2,229 256.1,0 283.4,27.4 \"\/><\/g><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"wpr-testimonial-next-arrow wpr-testimonial-arrow\" id=\"wpr-testimonial-next-5cb31de0\">\n\t\t\t\t\t<svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" x=\"0px\" y=\"0px\" viewBox=\"0 0 283.4 512\" style=\"enable-background:new 0 0 283.4 512;\" xml:space=\"preserve\"><g><polygon class=\"st0\" points=\"54.5,256.3 283.4,485.1 256.1,512.5 0,256.3 0,256.3 27.2,229 256.1,0 283.4,27.4 \"\/><\/g><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c4c44a8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"7c4c44a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49714372 elementor-arrows-position-inside elementor-widget elementor-widget-image-carousel\" data-id=\"49714372\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;1&quot;,&quot;navigation&quot;:&quot;arrows&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:500}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/10-768x432.png\" alt=\"10\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/9-768x432.png\" alt=\"9\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/8-768x432.png\" alt=\"8\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 4\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/lincolncapitalfunding.com\/wp-content\/uploads\/2024\/10\/7-768x432.png\" alt=\"7\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>USDA The USDA Loan option at Lincoln Capital Fundings provides 100% financing for eligible rural and suburban homebuyers, making it an ideal choice for those with moderate or low income. Backed by the U.S. Department of Agriculture, this loan offers low interest rates and reduced mortgage insurance costs, supporting affordable homeownership in designated areas. Conventional FHA Home Equity Loan Jumbo Non-QM Bank Statement Loans DSCR Loans USDA VA Hamburger Toggle Menu Is a USDA Loan Right for You? A USDA loan, backed by the U.S. Department of Agriculture, is a mortgage designed to promote homeownership in rural and suburban areas. It offers benefits like zero down payment, low interest rates, and reduced mortgage insurance costs, making it ideal for moderate- to low-income homebuyers looking for affordable financing. Who is a USDA Loan Right For? Homebuyers with Moderate to Low Income &#8211; Those who meet income limits set by the USDA based on location and household size. Buyers Looking in Rural\u00a0&#8211; Ideal for those purchasing in USDA-designated eligible areas. Borrowers Needing Minimal Down Payment &#8211; USDA loans offer 100% financing, meaning no down payment is required. First-Time Homebuyers &#8211; USDA loans are accessible to first-time buyers, offering a path to homeownership with affordable monthly payments. Those Looking to Avoid High Mortgage Insurance Costs &#8211; USDA loans typically have lower mortgage insurance fees than FHA loans. Homebuyers Prioritizing Lower Monthly Costs &#8211; The program offers low interest rates and reduced mortgage insurance, making monthly payments more affordable. Benefits of an USDA Loan Zero Down Payment &#8211; USDA loans offer 100% financing, allowing eligible buyers to purchase a home with no down payment. Lower Interest Rates &#8211; Competitive rates are offered since the loans are government-backed, often lower than conventional loan rates. Reduced Mortgage Insurance Costs &#8211; USDA loans have lower mortgage insurance premiums compared to FHA loans, which can lower monthly payments. Improved Homeownership Opportunities &#8211; Specifically designed for rural areas, it promotes homeownership in underserved regions. Inclusive Eligibility for Moderate- to Low-Income Buyers &#8211; This loan caters to borrowers with income limits based on location, offering accessible financing options. It&#8217;s important to note that USDA loans also come with some drawbacks, such as mortgage insurance premiums (MIP) that can increase the overall cost of the loan. Additionally, there are limits on how much you can borrow with an USDA loan, which may not be suitable for high-cost markets. Ultimately, whether an USDA loan is right for you depends on your financial situation, credit history, and homeownership goals. At Lincoln Capital Funding we\u2019ll carefully review your unique financial details to help identify the mortgage loan option that best suits your needs, ensuring a personalized and informed decision for your home financing. Apply for a Loan What our clients say about us. Sarah T. CEO &#9734; &#9734; &#9734; &#9734; &#9734; &#8220;Lincoln Capital Funding made buying my first home a breeze! The process was fast, and the team was incredibly helpful every step of the way. I couldn\u2019t have asked for a better experience and highly recommend them for anyone looking for a hassle-free home loan!&#8221; Michael L. CEO &#9734; &#9734; &#9734; &#9734; &#9734; I approached Lincoln Capital Funding for a business loan, and they exceeded my expectations. The terms were flexible, and the entire process was transparent and straightforward. Thanks to them, I was able to expand my business seamlessly! Emily R. CEO &#9734; &#9734; &#9734; &#9734; &#9734; Lincoln Capital Funding helped me secure a car loan with great rates and minimal paperwork. Their customer service was outstanding, and they made sure I fully understood the terms before moving forward. I\u2019ll definitely work with them again for future financial needs!<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":323,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-347","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=347"}],"version-history":[{"count":40,"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/347\/revisions"}],"predecessor-version":[{"id":1156,"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/347\/revisions\/1156"}],"up":[{"embeddable":true,"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/323"}],"wp:attachment":[{"href":"https:\/\/lincolncapitalfunding.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}