USDA Home Loans
True zero-down financing!
What are the benefits of a USDA Loan?
The United States Department of Agriculture, or USDA offers considerable benefits for those wishing to purchase a home in rural and mostly rural areas. This program allows you to purchase a home with true zero-down financing so you can keep your cash in the bank.
The USDA loan’s purpose is to provide affordable homeownership opportunities to low-to-moderate income households to stimulate economic growth in rural and suburban communities throughout the United States.
- Not limited to first time homebuyers
- No down payment
- 1% USDA required guarantee fee can be financed
- Seller may contribute to buyer’s closing cost
Get approved to buy a home.
Buying a new home or refinancing your current loan? Fill out this form and get started today!

USDA Qualifications
A USDA loan is one that follows the guidelines set forth by the United States Department of Agriculture. The program is designed to help those who wish to buy and finance an owner-occupied home in rural or semi-rural areas, where conventional financing would be difficult to obtain for the very same property.
Borrowers apply directly with a USDA approved mortgage lender. USDA loans require no down payment and are offered as a 30-year fixed rate mortgage, the most popular mortgage term in today’s marketplace.
- Property must be located in an eligible designated rural area
- Brand new homes or existing properties are eligible
- Annual income must meet eligibility guidelines
- No cash reserve requirement
How to find a USDA eligible property?
USDA loans are limited to certain rural areas. Generally, according to USDA guidelines, it includes any areas with a population of less than 35,000. In fact, an estimated 97 percent of the U.S. is eligible for USDA lending.
To see if the area you are shopping for a home in qualifies, visit the USDA Income and Property Eligibility site or contact a loan officer with USDA experience to help research if the property meets USDA guidelines.
It may be surprising to many, but even though the USDA is limited to certain parts of the country, there are more areas where the USDA loan can be used than not.
*Programs are not available in all areas. Additional terms and conditions may apply.

