USDA Loans

A USDA loan is a type of mortgage loan that is guaranteed by the United States Department of Agriculture (USDA) and is designed to encourage rural development and home ownership in qualifying rural areas. These loans offer low interest rates and may not require a down payment, making them an attractive option for eligible borrowers.


Low Mortgage Insurance

No Down Payment

For Rural Properties

The USDA Loan

USDA loans are attractive because they offer low interest rates, no down payment requirements, and flexible credit requirements. They also provide an opportunity for home ownership in qualifying rural and suburban areas that may not be eligible for other types of financing, making them a desirable option for many borrowers.

Property must meet USDA eligibility requirements. Use the tool linked below to search by address to detemine is a USDA loan will work.

Loan Limits

Loan limit refers to the maximum amount of money a borrower can receive from a lender for a specific type of loan.


Loan to Value

Loan to value (LTV) is the ratio of the loan amount to the appraised value of the asset being purchased.


Credit Score

Credit score is a numerical representation of a person's creditworthiness, based on their credit history and other financial behavior.

640 OR


Loan terms refer to the specific conditions and details of a loan agreement, including the interest rate, repayment period, and other relevant terms.


Mortgage Insurance

Mortgage insurance is a policy that protects lenders against losses caused by a borrower's default on a mortgage loan.



Funding fee refers to a one-time fee charged by lenders or the government to borrowers for providing a loan or mortgage, typically used to offset the costs of the loan program.