USDA HOME LOAN

Our USDA Loan can get you to the quiet countryside with little out-of-pocket expenses.

Whether you’re looking for more space or a little peace and quiet, our USDA Rural Development program can help you buy a home that fits your dreams. With this loan, your bank account can breathe easy with 100 percent financing* and flexible credit guidelines. Features of Our USDA Rural Development Program: 

  •  No down payment required*  
  •  Not limited to first-time home buyers  
  •  Ideal for low and moderate-income households  
  •  15-year and 30-year fixed mortgage interest rates

Contact us today to see how a USDA Loan can put your homeownership goals within reach... 

CONTACT US

* Closing costs and fees may still apply

What is a USDA Loan?

The USDA determines what “rural” means, and that varies widely by state. But if you’re eligible, you can qualify for lower monthly payments and you don’t need money for a down payment*. Click here to check property eligibility

* Closing costs and fees may still apply

USDA Home Loan Calculator

USDA Home Loan Eligibility

Eligible Property: These loans are limited to "rural" areas, though you might be surprised by some of the suburbs of major metropolitan areas that qualify as rural. Homes should be modest in size and cost and constructed per local codes and regulations. Click here to check property eligibility.

Eligible Borrowers: Funds are available for qualified borrowers who earn up to 115% of the area median income. Even candidates who have had past credit issues with late pays, bankruptcies or foreclosure may be eligible. Borrower's income must support the proposed payments and meet the program requirements for approval. Primary occupancy is required. This program is not for investment properties.

USDA Home Loan Highlights 

  • 100% Financing with No Down Payment (Closing costs and fees may still apply) 
  • Qualify with a minimum credit score of 620
  • Rates are very competitive with conventional loans
  • Not limited to first-time buyers
  • Combined Loan-To-Value Ratio up to 105%