USDA Loans
100% Financial for rural communities.
Program Overview
What is a USDA Loan?
USDA loans are guaranteed by the U.S. Department of Agriculture and designed to promote homeownership in eligible rural and suburban areas — with no down payment required.
Despite the name, many surprising locations qualify, including small towns and outer-ring suburbs of major metros. If you're open to life beyond the city limits, USDA financing can save you thousands.
Key benefits
Why Borrowers choose this loan?
0% Down Payment
Finance 100% of the home's appraised value.
Below-Market Rates
USDA loans often carry rates below conventional financing.
Low Mortgage Insurance
Annual fee is significantly lower than FHA MIP.
Flexible Credit
Approvals possible with credit scores of 640 and above.
Closing Cost Help
Seller can pay up to 6% of the sale price toward closing costs.
No Loan Limits
Loan amount based on your income and ability to repay.
elegibility
Do you Qualify?
Every borrower's situation is unique. Below are typical guidelines. Our loan officers will review your specific scenario and confirm eligibility quickly.
✔ Property must be in a USDA-eligible rural or suburban area
✔ Household income within USDA limits for the area
✔ Property must be your primary residence
✔ U.S. citizen, non-citizen national, or qualified alien
✔ Credit score of 640+ recommended for streamlined approval
