Affordable Financing for Rural and Suburban Homes
USDA Loans are a government-backed mortgage program designed to help buyers purchase homes in eligible rural and suburban areas with zero down payment. This makes them an excellent choice for families and individuals seeking affordable homeownership while enjoying the benefits of country or small-town living.
Zero Down Payment & Low Closing Costs
One of the biggest advantages of a USDA Loan is the ability to finance 100% of the home’s purchase price. This means you can move into your new property without the financial burden of a large upfront payment. In addition, USDA Loans often come with reduced closing costs, making homeownership even more accessible.
Competitive Interest Rates & Flexible Credit Guidelines
Because they are backed by the U.S. Department of Agriculture, USDA Loans typically offer lower-than-average interest rates and flexible credit requirements. This can make them a great option for buyers who may not qualify for conventional financing but still want favorable loan terms.
"The Coast2Coast Advantage"
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From VA and FHA to DSCR, jumbo, and niche investment programs, we have a solution for every borrower.
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Licensed in Arizona, Arkansas, Washington, and Idaho with insights into each market.
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We work to secure the best terms possible while keeping costs manageable.
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Clear communication, fast turnaround, and guidance at every step.
Supporting Growth in Rural Communities
By choosing a USDA Loan, you’re not just purchasing a home—you’re also supporting the growth and stability of rural and suburban communities. These loans are intended to promote economic development in less densely populated areas, helping to create strong, vibrant neighborhoods.
Why Homebuyers & Investors Choose David Kulick – Coast2Coast Mortgage
With David Kulick – Coast2Coast Mortgage, we believe finding the right mortgage should be simple, transparent, and tailored to you. Whether you’re purchasing your first home, refinancing for better terms, or building an investment portfolio, we provide the expertise and loan options to make it happen.
We are known for
Unmatched Customer Service
Creative Financing Solutions
Speed & Efficiency
Trust & Transparency
"FAQs"
We offer a wide range of programs including VA Loans, FHA Loans, Conventional Loans, DSCR Programs, Short-Term Rental Loans, Jumbo Loans, USDA Loans, Self-Employed Loans, Pad Split Loans, and Foreign National Loans.
No. We work with borrowers across a wide credit spectrum and can recommend programs designed for those with less-than-perfect credit.
On average, most loans close within 30 days, but timelines can vary depending on the loan type and your readiness with required documentation.
We are currently licensed in Arizona, Arkansas, Washington, and Idaho, with deep expertise in each market’s unique lending requirements.
The easiest way is to contact us for a free consultation. We’ll review your goals, discuss your options, and guide you toward the best financing solution.
Your Mortgage, Your Way
With David Kulick – Coast2Coast Mortgage, we believe your financing should fit your life, not the other way around. That’s why we offer customized mortgage solutions designed around your goals, budget, and timeline. Whether you’re a first-time buyer, a seasoned investor, or refinancing for better terms, we tailor every detail to ensure your loan works for you—today and for years to come.
