# Colorado USDA Loans — Cornerstone First Mortgage (Mike Certo)

> $0-down USDA Rural Development home loans for eligible Colorado buyers. Plain-English guidance on income limits, property eligibility, the guarantee fee, and how USDA compares to FHA and conventional. Not affiliated with or endorsed by the USDA or any government agency.

## Key pages
- [USDA Loans in Colorado (home)](https://usdaloanscolorado.com/): what a USDA loan is, who qualifies, $0-down explained, quiz-based eligibility check.
- [The Colorado USDA Loan Guide](https://usdaloanscolorado.com/usda-guide.html): the full pillar guide — eligibility, cost, process, and closing timeline.
- [USDA Eligibility: income limits & property map](https://usdaloanscolorado.com/usda-eligibility.html): how the 115%-of-AMI income limit and rural-area map work, plus a live address-eligibility checker.
- [USDA Direct (Section 502)](https://usdaloanscolorado.com/rural-housing-direct.html): the subsidized $0-down Direct program, income tiers, and how it differs from Guaranteed.
- [USDA vs FHA vs Conventional](https://usdaloanscolorado.com/usda-vs-fha.html): side-by-side on down payment, mortgage insurance, credit, and geography.
- [USDA calculators](https://usdaloanscolorado.com/calculators.html): payment, guarantee-fee, income-eligibility (with the household deductions), USDA-vs-FHA, and affordability calculators.
- [USDA income eligibility calculator](https://usdaloanscolorado.com/usda-income-eligibility-calculator.html): adjusted household income vs the county limit, using the USDA deductions.
- [Colorado USDA blog](https://usdaloanscolorado.com/blog/): local guidance on where the $0-down eligible areas are in Colorado.
- [Resources](https://usdaloanscolorado.com/resources.html): calculators, guides, and official USDA links.
- [Contact / Get pre-approved](https://usdaloanscolorado.com/contact.html): talk to a USDA specialist.

## Program facts
- Loan type: USDA Rural Development Section 502 Guaranteed home loan.
- Down payment: $0 (100% financing) for eligible buyers in eligible areas.
- Geography: the home must be in a USDA-eligible rural or small-town area (checked on the USDA map).
- Income: household income must be within the USDA limit for the county (based on 115% of area median income).
- Occupancy: owner-occupied primary residence only.

## Author & contact
- Mike Certo — Branch Manager, Cornerstone First Mortgage, LLC. Individual NMLS #260555. Company NMLS #173855.
- Phone: (480) 296-6513 · Email: mcerto@cfmtg.com
- Equal Housing Lender. This is not a commitment to lend.

## Official sources
- USDA Rural Development: https://www.rd.usda.gov/
- USDA property & income eligibility tool: https://eligibility.sc.egov.usda.gov/