Contact Us
Make My Homepage

Mortgage Mondays at Plains Commerce Bank

For the past few weeks, Kickin’ Country has been broadcasting live from Plains Commerce Bank with Mortgage Mondays. It’s a big deal when you can literally save hundreds of dollars per month, by either refinancing your home or just cashing in on what are still historic low interest rates.

If you have never owned your one home, check with your parents.  They’ll tell you stories of double digit interest rates for sure.

One of the loan specialists at Plains Commerce Bank, Joshoua Osborne actually helped my wife and I with our home loan.  I asked him specifically about RFD loans, because I thought our listeners in Rural Kickin’ Country should know about them. Josh was kind enough to send me this information.

The mission of USDA Rural Development’s Single Family Housing Guaranteed Loan Program is to assist low to moderate income rural homebuyers achieve their dream of homeownership!

Income Limit for family size 1-4 in Lincoln County or Minnehaha county is $79,500

Income Limit for family size 5+ in Lincoln County or Minnehaha county is $104,500

Rural Development partners with approved local lenders like Plains Commerce Bank to extend 100% financing opportunities to eligible rural individuals and families for the purchase of safe and sanitary dwellings. Guaranteed loans have assisted thousands of homeowners to purchase a home with affordable interest rates and loan terms.

Applicants must purchase a home within the eligible rural areas, and have a household income that does not exceed the established limits where the home is located. Additional Guaranteed Loan Features include but are not limited to:

  • 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included.
  • Guarantee Fee applies: may be rolled into the loan amount.
  • Flexible credit guidelines. Non-traditional credit histories may be accepted.
  • Fixed 30 year interest rates apply. Lenders and applicants agree upon interest rate.
  • No maximum purchase price. Qualifying ratios and the applicant’s stable and dependable income will determine home affordability.
  • Eligible closing costs and lender fees may be included in the loan or paid by the applicant.
  • Gift/Grant Funds/Mortgage Credit Certificates (MCC’s)/Seller Concessions are allowed.
  • Not limited to first time home buyers.

Contact Josh Osborne today to learn more about Rural Development and buy a house with 100% Financing.

See 10 Reasons To Refinance Here


Best of Kickin

Recommended for You

Best of the Web

Leave a Comment

It appears that you already have an account created within our VIP network of sites on . To keep your personal information safe, we need to verify that it's really you. To activate your account, please confirm your password. When you have confirmed your password, you will be able to log in through Facebook on both sites.

Forgot your password?

*Please note that your prizes and activities will not be shared between programs within our VIP network.

It appears that you already have an account on this site associated with . To connect your existing account just click on the account activation button below. You will maintain your existing VIP profile. After you do this, you will be able to always log in to using your original account information.

*Please note that your prizes and activities will not be shared between programs within our VIP network.

Please fill out the information below to help us provide you a better experience.

(Forgot your password?)

Not a member? Sign up here

Sign up for Kickin' Country VIP Club quickly by connecting your Facebook account. It's just as secure and no password to remember!

Sign up to have exclusive Kickin' Country VIP Club contests, events, coupons, presales, and much more delivered to you for FREE.