“A lot of communities here qualify for USDA loans, and many buyers don’t even realize they’re eligible,” he said. “It’s a fantastic product because it eliminates the biggest hurdle – down payment costs. I’ve worked with buyers who had less than $2,000 in their account, yet we were able to get them into a home thanks to seller concessions and USDA benefits.”
De La Garza’s position as a broker allows him to work with multiple lenders, each with different underwriting guidelines and credit score requirements. “Some lenders require a minimum credit score of 600, while others go as low as 550,” he said. “By having access to different lending options, I can find the best fit for my clients, ensuring they have every possible opportunity to qualify.”
Building stronger communities through homeownership
Beyond individual success stories, De La Garza believes that DPA and USDA programs play a crucial role in strengthening entire communities.
“I work with many buyers who have been turned down before due to financial struggles or poor credit history. When they finally secure financing through these programs, it’s life-changing. They take pride in their homes, invest in their neighborhoods, and build generational wealth,” he said.
In small towns, the impact is especially profound. “We look out for each other in these communities. When someone becomes a homeowner, they inspire others to do the same. A well-maintained home encourages neighbors to invest in their properties, and that strengthens the entire town.”