Loan Products
USDA Loans
Buy a home in an eligible rural or suburban area with zero down payment. USDA loans are backed by the U.S. Department of Agriculture and designed to promote homeownership in communities across America.
Why USDA Loans
Key Benefits
Zero Down Payment
Finance 100% of your home's purchase price with no down payment required — one of the few programs that offers this benefit.
Below-Market Interest Rates
USDA-backed loans often carry lower interest rates than conventional financing, keeping your monthly payment affordable.
Reduced Mortgage Insurance
USDA guarantee fees are significantly lower than FHA mortgage insurance premiums, saving you money each month.
Flexible Credit Guidelines
While there is no official minimum score, most lenders accept credit scores of 640 and above with streamlined processing.
Closing Costs Can Be Financed
Eligible closing costs can be rolled into the loan or covered by the seller, reducing your out-of-pocket expenses at closing.
Is It Right for You?
Who Is a USDA Loan For?
USDA loans are designed for moderate-income buyers purchasing a home in an eligible rural or suburban area. If your household income falls within the program limits for your county and you're looking for an affordable path to homeownership outside of major metro centers, a USDA loan could be your best option.
Requirements
General Guidelines
- The property must be in a USDA-eligible rural or suburban area
- Household income must not exceed 115% of the area median income
- The home must be your primary residence
- Stable income and employment verification required
- USDA guarantee fee applies (can be financed into the loan)
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Other Loan Products
Ready to Get Started?
Apply in minutes and get pre-approved fast. Our team is here to walk you through every step of the usda loans process.
Average pre-approval time: under 24 hours