Want to find out if you qualify for USDA Loan?

Looking to purchase a home with a USDA loan in New Mexico? Look no further than Sanchez & Sanchez Real Estate Services.

Why USDA Loans Matter—And Why Sanchez & Sanchez is Farmington’s #1 Expert

If you're a first-time homebuyer in Farmington or the surrounding areas, you may have heard of USDA loans—but do you really know what they could mean for your homebuying journey? At Sanchez & Sanchez Real Estate Services, we’re proud to be the only real estate company in the region specializing in USDA Rural Development 502 Direct Loans. And that distinction can make all the difference when it comes to unlocking affordable homeownership.

What is a USDA Direct Home Loan?

The USDA Rural Development 502 Direct Loan is a government-backed mortgage program designed to help low- and very low-income families purchase safe, decent, and affordable housing in rural areas. The best part? Farmington qualifies under USDA rural housing guidelines.

Unlike conventional loans, USDA Direct Loans:

• Require no down payment

• Offer subsidized interest rates

• Include longer repayment terms

• Are tailored to help individuals and families with limited income become homeowners

Who Qualifies?

You might be surprised how many families are eligible:

• A household of 1 to 4 people can earn up to $56,500 per year

• A household of 5 or more can earn up to $74,600 per year

These income limits mean that many working families in Farmington could qualify for a USDA loan—but not everyone knows how to access them or navigate the application process.

Why Work with Sanchez & Sanchez?

At Sanchez & Sanchez, USDA loans aren’t just something we offer—we specialize in them. We understand the guidelines inside and out, and we’ve helped countless families secure homes through this unique program. From pre-qualification to closing, we walk you through every step with the care and attention only local experts can provide.

Whether you're buying your first home, relocating to the area, or just exploring your options, we’re here to help you:

• Understand your eligibility

• Complete your USDA application

• Find a home that qualifies for USDA financing

• Work with lenders familiar with the program

• Access affordable housing without hidden costs

A Better Path to Homeownership in Farmington

Farmington is more than just a place to live—it’s a community where families grow, neighbors support one another, and first-time buyers can plant roots. With USDA loans and the expert guidance of Sanchez & Sanchez Real Estate Services, homeownership here is more attainable than ever.

Ready to learn more?

Call us today at (505) 327-9039 or visit us at 4301 Largo Street, Suite G. We’d be honored to help you take the first step toward owning your home—with confidence, clarity, and local expertise.