USDA Loans
Working in a rural area with USDA coverage? Then this is a great loan for your clients! This loan was created to help people become homeowners in rural America with no down payment needed.
The USDA loan provides flexibility on credit but does have household income restrictions.
As seen in:
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Product highlights
- No down payment required
- Primary residence required
- Up to 100% financing
- Property must be located in eligible rural areas
- Household income limits apply
- 580 minimum credit score
- Debt-to-income limits apply
- Streamline refinance available with no appraisal
- USDA guarantee fee's will apply
Borrower advantages
- No down payment required
- Fixed-rate mortgage
- U.S. Dept. of Agriculture guarantees mortgage
- Rates are often better than conventional loans
- Seller contributions toward closing costs allowed
- Reduced fees
- Not limited to first-time homebuyers
- Flexible credit and underwriting terms
Realtor advantages
- Great for Realtors wanting to expand their coverage areas
- Good option for those buying in rural areas (and many suburban areas)
- Seller can make contributions
- Low credit scores requirement
Frequently asked questions
With short and easy to understand answers.
Couldn’t find your answer?
[email protected]What is a USDA loan?
A USDA loan is designed for buyers in eligible rural and suburban areas and offers 100% financing.
Do I need to live on a farm?
Not at all. Many suburban areas qualify — you’d be surprised.
Is income limited?
Yes, but limits are often higher than people expect. We’ll check eligibility upfront.
Why choose USDA?
No down payment, low rates, and affordable monthly payments.
Couldn’t find your answer?
[email protected]Loan Programs
Loan Programs
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- Competitive rates
- Expert support
- Easy process