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USDA Mortgage

If you’re buying a home in a rural community, you could qualify for a no-money down financing program through the Rural Housing Service (RHS), an agency of the U.S. Department of Agriculture (USDA). USDA loans offer flexible downpayment funding options, making home ownership affordable for many rural dwellers.

USDA Mortgage Loans

These mortgage loans are especially attractive to...

First Time Buyers

Flexible qualifying guidelines such a credit requirements.

Limited Funds

Qualified borrowers may be able to finance up to 100% of the purchase price with no downpayment required on certain loan products.**

Income and Terms

Favors low to moderate income earners. A USDA loan is available as a fixed rate loan so the payments stay the same throughout the life of the loan.

**Zero down payment and other figures shown are for informational purposes only and are not intended as an advertisement or commitment to lend. Not all borrowers will qualify; contact us for a specific quote and more information on fees and terms.

Loan Features

No down payment options

Borrowers purchasing property in qualified rural areas may be able to receive financing for the entire loan amount.

Fixed rates

The interest rate on USDA Loans is fixed for the duration of the loan.

No penalties for prepayment

USDA Loans do not have any penalties for early payments.