USDA Purchase

Buy a Suburban Home with Zero Down

USDA Home Loans = Greater Affordability

USDA Purchase Loans

If you live in a qualifying suburban town (generally with population less than 20,000), a USDA home loan may be your perfect loan option.

The government created the USDA loan program to encourage growth in our nation’s small communities, and today it remains the last real no money down loan in existence.

USDA loans are even more affordable because they require low monthly mortgage insurance, making payments even more affordable.

In order to qualify for a USDA rural home loan, you must meet certain requirements:

First, the home MUST be in a designated USDA rural area, and the borrower must not exceed the income limit set for that area.

See Income Limits and Location Eligibility Tester
(you will be forwarded to a government site)

There is no minimum credit score to qualify for a USDA rural development loan, but you must be able to show a willingness and ability to repay mortgage obligations. A credit check indicating no more than one late payment in the past twelve months is generally accepted as indicating a willingness to repay. You must also be able to verify income for the last two years.

(If you are worried you may not meet this condition, call 1-866-854-4242 to speak to one of our loan officers as we may still be able to help you.)

Meet the requirements, or want us to verify your eligibility?

Call us or fill out our simple, 3-minute USDA home loan application. It’s fast, easy, and free.

USDA Rural Development Loan Program Benefits:

There is no down payment required for a USDA home loan and 100% of the home’s appraisal value, plus the one time funding fee, can be financed through the USDA rural housing home loan. That means, you don’t have to pay anything out of pocket when financing with a USDA home loan.

USDA loans offer a competitive fixed rate. In fact, the USDA home loan program does not offer adjustable rate mortgages of any kind. So your monthly mortgage payments will never increase with a USDA home loan.

The only fee associated the USDA rural housing program is a small one-time funding fee; and you pay a small monthly mortgage insurance with a USDA home loan. USDA housing loan allows you to put more money towards paying off your mortgage each month, rather than towards fees.

The USDA housing loan program also has no maximum seller concessions. Which means you can have the seller pay ALL of the closing costs, saving you even more money.

Take the First Step toward 100% Financing with a USDA Purchase Loan.

Answer a few simple questions, and a USDA loan expert will show you how much you can save!