USDA Loans

A home in the countryside.

About USDA Loans

Is your client searching for a home in a rural area? Make it happen with 100% USDA financing and flexible credit and underwriting terms. USDA loans are mortgages made specifically for rural properties and the USDA’s Single Family Housing Guaranteed loan program is a popular choice for low- and moderate-income families looking to purchase or refinance a home. USDA loans are an affordable way for clients like yours to obtain adequate, decent, and safe housing in rural areas. Eligible applicants may build, rehabilitate, or relocate a dwelling in an eligible rural area.


Does your client qualify for a USDA loan?

  • 0% down payment
  • Credit scores as low as 580 may be accepted
  • Low to moderate income may qualify
  • 30-year fixed-rate terms only
  • Borrower must be a U.S. citizen, non-citizen U.S. national, or qualified permanent resident alien
  • Rural properties only (certain geographic eligibility requirements apply)
  • Available for purchase, rate/term refinance, streamline refinance, or streamlined assist refinance


Looking for a specific product not listed above? Call today to find out more about our loan products.

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