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USDA Loan

Zero-down loans for eligible rural and suburban homebuyers.

USDA loans are designed to support and stimulate homeownership in rural and suburban areas.

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USDA Loan Features

USDA loans address several key needs in rural and suburban areas.

Rural Development

USDA loans aim to encourage growth and development in rural and underserved areas to enhance the quality of life in these communities and provide opportunities for people to live and work in rural regions.

Increased Homeownership Opportunities

The program targets low-to-moderate income families who might otherwise struggle to afford a home.

Economic Stability

Homeownership helps build community ties and economic resilience, which benefits both individuals and the broader area.

USDA Guarantee

The loan is partially guaranteed by the U.S. Department of Agriculture, which helps reduce lender risk and can lead to better loan terms for borrowers.

Benefits of a USDA Loan

Zero Down Payment

With no down payment required, USDA loans make it easier for eligible borrowers to purchase a home without the need to save for years.

Lower Monthly Payments

USDA loans come with competitive interest rates and lower mortgage insurance costs, making homeownership more affordable.

Expanded Access to Homeownership

USDA loans help low-to-moderate income borrowers, especially first-time buyers, access homeownership in areas that might otherwise be out of reach.

Long-Term Savings

The favorable terms of USDA loans, including low interest rates and minimal mortgage insurance, can result in significant savings over the life of the loan.

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If you’re interested in purchasing a home in a rural area, our team can guide you through the process.

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loan FAQ

Loan Program

Frequently Asked Questions

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Some loans will allow you to secure just a 5% down payment plus closing costs. Another option is a piggy-back loan where you get approved for the first and second mortgage to avoid PMI. You could also apply for an FHA loan which only requires a 3.5% down payment.

However, your interest rate will likely be higher, and you will be required to buy private mortgage insurance (PMI).