USDA Loans

Make buying and refinancing homes more affordable in rural communities.

USDA Home Loan

A USDA Home Loan is a government-insured loan that allows borrowers to obtain 100% financing (NO MONEY DOWN). It is designed to meet the needs of people living in small communities, rural areas, as well as outlying metropolitan areas.

Established in 1991 by the US Department of Agriculture (USDA) rural development loans are designed to help medium-income Americans to buy a home in rural and suburban communities. They are the most competitive loan in the marketplace.
If you want to live in a qualifying suburban town - generally with a population of less than 20,000 - a USDA Loan may be your answer to securing your dream of home ownership.
Who May Apply
  • Meet income-eligibility requirement
  • Agree to personally occupy the dwelling as your primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien

  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs

  • Demonstrate the willingness to meet credit obligations in a timely manner

  • Purchase a property that meets all program criteria

Call and Talk to a Loan Specialist