USDA

Home Loans

Is a USDA loan right for you?


The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

Benefits of a USDA loan

  • 100% financing:

    That’s right! This program offers 100% financing for qualifying members.

  • First time buyer friendly:

    USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.

  • No homeowner counseling required:

    Unlike some other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.

USDA loan eligibility requirements

  • Ability to prove creditworthiness, typically with a credit score of at least 640

  • Stable and dependable income

  • A willingness to repay the mortgage – generally 12 months of no late payments or collections

  • Adjusted household income is equal to or less than 115% of the area median income

  • Property serves as the primary residence

  • Property is located in a qualified rural area

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best rate possible!