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.

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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.

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.

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Interested in getting pre-approved for USDA zero-down financing? Use our quick and easy tool to get started and find out how much home you qualify for.