USDA Loan
A USDA loan is a government-backed mortgage for rural areas, offering as low as zero down payment and competitive interest rates for eligible buyers.
What Is a USDA Loan?
The United States Department of Agriculture (USDA) loan program is designed to provide low-to-moderate-income families the opportunity to purchase a home in rural and suburban communities. USDA loans make buying a home more accessible by providing 100% financing—meaning no down payment is required.
USDA Loan Requirements
Qualifying for a USDA loan is determined by different factors compared to a traditional mortgage. While requirements may vary among lenders, here are some common criteria.
USDA Loan Eligibility
Here are some takeaways you should take into account when getting pre-approved for a USDA loan.
*To learn more about your county’s income limits,
please visit: United States Department of Agriculture

Benefits of a USDA Loan
USDA Loan FAQ
What’s the minimum USDA loan down payment?
USDA loans offer 100% financing, so no down payment is required. However, borrowers are responsible for closing costs, which can sometimes be rolled into the loan.
How do I know if a property is in a USDA-eligible area?
You can check property eligibility using the USDA Eligibility Map. Most rural and some suburban areas qualify.
Are USDA loans only for first-time homebuyers?
No, USDA loans are available to both first-time and repeat homebuyers, as long as they meet the eligibility criteria and the home will be their primary residence.
Can I use a USDA loan to build or renovate a home?
Yes, USDA loans can be used for building, purchasing, renovating, or repairing a home, as long as it meets USDA standards. Reach out to your loan officer to learn more.
How do I apply for a USDA loan?
You can apply with us as we are an approved USDA lender. The process includes verifying your income, checking your credit, and confirming that the property is in an eligible area. Get started below!

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