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USDA Home Loan

NO Money Down..Low Interest Rate..Low closing Costs

What Is A USDA Home Loan?

  • Eligible applicants may build, rehabilitate, improve or relocate a dwelling in an eligible rural area. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers.

Key Benefits Of A USDA Mortgage?

  • No Down Payment
  • Lower Than Market Interest Rates
  • Low Monthly Private Mortgage Insurance
  • Flexible Credit Guidelines
  • Low 30 Year Fixed Rates
  • Closing Costs Can Be Rolled In
  • Less Than Perfect Credit Is Ok

The USDA Rural Development Guaranteed Housing Loan is intended to serve low to middle income families purchasing homes outside of metropolitan cities. Get started now, call 800-826-5077.

Short Form Application

How Does A USDA Mortgage Work?

  • A fixed rate can range in terms from 10 years to 30 years and also is also offered in five year increments. A fixed rate mortgage provides peace of mind for home owners who can easily plan their financial future, knowing their mortgage payment will never change.
  • The shorter the loan term, the lower the rate but the higher the monthly payment. This is because the mortgage is paid off sooner compared to say a 30 year term. Yet while a shorter term has a higher payment there is also much less interest paid to the lender over the life of the loan.

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