A USDA loan is a mortgage offered by the U.S. Department of Agriculture (USDA) for homebuyers in eligible rural and suburban areas. USDA loans offer 100% financing with no down payment and typically have lower mortgage insurance costs than other loan types.

No! One of the main benefits of a USDA loan is 100% financing, meaning you can buy a home with no down payment required.

USDA loans are designed for properties in rural and some suburban areas. You can check the USDA eligibility map or contact us to see if the property you’re interested in qualifies.

USDA loans do not have a set minimum credit score. If you’re struggling with your credit or are unsure of your score, there may be some flexibility depending on your overall financial picture. Reach out to us and our team will be happy to go over your individual scenario with you.

Yes, USDA loans are intended for low-to-moderate income borrowers. Income limits vary by location and household size, but we can help you determine if you meet the income requirements based on your area.

Yes, USDA loans have mortgage insurance in the form of an upfront fee and an annual fee, which is spread out in monthly payments.

No, USDA loans are only available for homes in eligible rural or suburban areas. However, many areas you might not consider "rural" may still qualify, so it’s worth checking the USDA eligibility map. We are happy to help you check property eligibility.

Yes! USDA loans offer a Streamline Refinance option, which allows you to refinance to a lower interest rate with minimal paperwork and no appraisal in most cases.

No, USDA loans are available to both first-time and repeat homebuyers, as long as you meet the eligibility requirements for the program.

The first step is to get pre-approved! We can help you check your eligibility and guide you through the USDA loan process. Contact us today or click the Apply Now button on this page to start your pre-approval.