USDA Loan Guide
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Pembroke Pines, FL USDA Home Loan Guide
What is a Pembroke Pines, FL USDA Mortgage?
Welcome to the Smart Mortgage guide on USDA Mortgages. Navigating the home financing world can be a daunting task, but understanding the various mortgage options available can significantly streamline the process. One such option that you might not be familiar with is the Pembroke Pines USDA mortgage. Let’s dive in.
1. Overview
A USDA mortgage, formally known as the USDA Rural Development Guaranteed Housing Loan, is a mortgage loan offered to rural property owners by the United States Department of Agriculture (USDA). Designed primarily to promote Florida homeownership in rural and some suburban areas, the Pembroke Pines USDA loan comes with a range of benefits that make it a viable option for eligible homebuyers.
2. Key Features
- No Down Payment: One of the standout features of a USDA loan in Pembroke Pines is the possibility of financing up to 100% of the home’s price. This means eligible borrowers can buy a Florida home with no down payment.
- Competitive Interest Rates: Typically, USDA loans come with interest rates that are either at or below the market rate.
- Flexible Credit Guidelines: USDA loans often have more lenient credit requirements, which can be beneficial for those with a less than perfect credit history.
Pembroke Pines FL USDA Loan Questions Call (888)416-4805

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3. Pembroke Pines, FL USDA Eligibility
To be eligible for a Pembroke Pines USDA mortgage, borrowers must meet certain requirements:
- Location: The Pembroke Pines property must be located in an eligible rural or certain suburban area as defined by the USDA.
- Income Limits: There are specific income requirements, both minimum and maximum, based on the median income of the area.
- Creditworthiness: While the USDA is generally more lenient with credit scores, a certain credit standard must still be met.
- Primary Residence: The borrower must occupy the home as their primary residence.
4. Pembroke Pines, FL USDA Mortgage Benefits
- Affordability: With no down payment and the potential for lower mortgage insurance premiums, a Pembroke Pines USDA loan can be more affordable in the long run.
- Inclusive: It’s a great option for Pembroke Pines, FL first-time homebuyers or those without a substantial savings for a down payment.
- Supporting Rural Development: By opting for a USDA mortgage, you’re indirectly supporting the development and sustainability of rural communities.
5. How Smart Mortgage Can Help
Navigating the intricacies of USDA mortgages can be challenging. That’s where Smart Mortgage steps in. Our team of seasoned USDA mortgage professionals is here to guide you through every step, ensuring you make informed decisions tailored to your needs. Whether you have questions about your eligibility or the application process, we’re here to help.
Take the Next Step Interested in exploring if a Pembroke Pines USDA mortgage is right for you? Get in touch with our Smart Mortgage team today at (888)416-4805. We’re committed to helping you find the best mortgage solution for your unique situation.
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Pembroke Pines is a city in southern Broward County, Florida, United States. The city is located 22 miles (35 km) north of Miami. It is a suburb of and the fourth-most populous city in the Miami metropolitan area. The population of Pembroke Pines was 171,178 at the 2020 census.
Pembroke Pines was officially incorporated on January 16, 1960. The city’s name, Pembroke Pines, is traced back to Sir Edward J. Reed, a member of Britain’s Parliament for the County of Pembroke from 1874 to 1880, who in 1882 formed the Florida Land and Mortgage Company to purchase from Hamilton Disston a total of 2 million acres of mostly swampland located throughout the southern half of Florida. A road put through one of the tracts came to be known as Pembroke Road. When incorporating the city, Walter Smith Kipnis, who became the city’s first mayor, suggested the name Pembroke Pines because of the pine trees growing near Pembroke Road.
The first inhabitants of the area were Native Americans, who first appeared about 4,000 years ago. Skeletal remains of animal hunters dating back about 10,000 years were found around Broward County, showing that perhaps human beings had lived in the area even earlier.
The town started as agricultural land occupied by dairy farms, and grew after World War II as service members were retiring, including large eastern sections that were part of the Waldrep Dairy Farm, including the present-day Pembroke Lakes Mall. The first two subdivisions were called Pembroke Pines. One of the first homes in the city belonged to Kipnis, the city’s first mayor, and was built in 1956. It was then known as the “Village of Pembroke Pines” and was incorporated into a village in 1959. Builders contested the incorporation, so a legal battle ensued concerning the boundaries of the new municipality. City services were added in the 1960s with the building of the first fire department building near North Perry Airport. University Drive was then the western edge of habitable land for residents.[citation needed]
In January 1960, Pembroke Pines held another election, and the village became a city. This small property was less than a square mile and was between Hollywood Boulevard and SW 72nd Avenue, and had the Florida Turnpike to the east. Pembroke Pines sought to give citizens involvement, so they organized the Pembroke Pines Civic Association. The square-mile city was unable to expand due to North Perry Airport and the South Florida State Hospital. Joseph LaCroix, a developer, had his 320 acres (1.3 km2) of land north of Pines Boulevard annexed to the city. This gave a new pathway to proceed westward. In 1977, a maximum security prison known as the Broward Correctional Institution was built in the northwestern part of town. This facility closed in 2012. In 1980, property from Flamingo Road to U.S. 27 was incorporated into Pembroke Pines, doubling the size of the city. This expansion included the property that is currently C.B. Smith Park as well as what was once the Hollywood Sportatorium and the Miami-Hollywood Motorsports Park. Also, in 1980, construction began to extend Interstate 75 from U.S. 27 towards Miami, passing through the new western part of the city. By 1984 the expressway reached Pines Boulevard, the main east-west arterial road in the city.
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