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The USDA Guaranteed Loan Program provides one of the most affordable loan programs to Americans today. See if you qualify for 100% financing and no money down.

What is a USDA Loan?

The U.S. Department of Agriculture (USDA) home loans program offers mortgages to low-income residents of rural areas who cannot otherwise obtain a conventional mortgage. If you live in a rural area and can't qualify for a conventional loan, you may qualify for either a USDA guaranteed loan or a USDA direct loan. The home loans program is designed primarily to help lower-income people living in unhealthy or unsafe rural conditions obtain a home that has modern utilities and adequate space.

When applying for a USDA loan, here is what you need to know:

  • Available as fixed rate or adjustable rate mortgages

  • The property is in a "rural zone" as designated by the USDA

  • No mortgage insurance premiums

  • No universal loan limit

Qualifying for a USDA loan involves an assessment that looks at your:

  • Credit Score

  • Income (115% of the median household income for your area)

  • Debt-to Income Ratio

  • No Down Payment

  • Employment Status and History

Modern Home Interior

Let's work together to get you into your dream home. 

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