USDA Loans

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USDA loans are designed to help individuals in rural areas purchase homes. The USDA Rural Development Guaranteed Housing Loan is intended to serve low to middle income families purchasing homes outside of metropolitan cities. These loans are insured by the United States Department of Agriculture. USDA loans are available to purchase or build a primary residence . This program cannot be used for income-producing properties. Credit requirements for USDA loans are typically a little more lenient than for Conventional loans. Buyers are not required to be first-time buyers, but these factors make USDA loans very popular with first-time home buyers if the property is within an eligible area.


Our Most Popular Home Loan Options

USDA Features


Down Payment

USDA mortgage loans are often referred to as the No Money Down Home Loans. This is because a USDA/Rural Development home loans allow you to finance 100% of the home's value. No out-of-pocket expense is required.


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The USDA looks at four different income calculations throughout the loan process in determining a borrower's income eligibility, Annual Household Income , Adjusted Annual Household Income , USDA Qualifying Income , and Repayment Income .


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Credit Score

There is no minimum credit requirement for USDA loans. Applicants without established credit may still be eligible for a USDA loan, but will require another source of credit verification, such as rent payments, utility payments or insurance payments.



Interest Rate

USDA loan rates are locked on a 30 Year Fixed Term, which provides mortgage payment stability throughout the entire term. Rates will not go up, which means your payment will not go up.




The USDA loan is designed to help those in rural areas purchase a residential home. There is a household income limit and geographic restriction for eligibility for a USDA home loan. Fortunately, the USDA’s definition of rural is generous and many suburban areas still qualify. Find out what areas are USDA eligible and see if you qualify.


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USDA/Rural Development home loans are often the best option for eligible buyers. This is a no money down financing option — 100% of the purchase can be financed, often including closing costs.


In Conclusion

The USDA loan is typically the best option for a borrower not eligible for a VA loan but eligible for a USDA home loan.