USDA Loans

Experience rural homeownership and get a loan without a down payment, enjoying low-interest rates and flexible credit requirements.
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  • Purchase a home in eligible rural areas with no down payment required.
  • Enjoy competitive interest rates, often lower than conventional mortgages.
  • USDA loans accept lower credit scores than conventional loans.
  • Lower upfront and annual mortgage insurance premiums compared to FHA loans.
  • Roll the cost of necessary repairs or renovations into your loan.

Eligibility requirements

  • Location: Properties must be located in eligible rural areas designated by the USDA.
  • Income Limits: Borrowers must meet income eligibility requirements based on household size and location.
  • Credit History: While flexible, borrowers must demonstrate a reasonable credit history.
  • Property Requirements: Homes must meet USDA property guidelines, including safety and livability standards.
  • Employment and Income Verification: Lenders assess borrowers' ability to repay the loan.


Meet the Connors

The Connors, a young family looking to settle in a rural community, find USDA loans perfect for their situation. With no down payment requirement and competitive rates, they purchase their dream farmhouse with ease.

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