USDA Loans

White with red trim Rural Home - Home Loan

Our USDA Rural Purchase Home Loan program is for buyers who want to buy their home in qualifying smaller towns and communities.  Call us before you start to search to get pre-qualified for your USDA home loan.

Typical Loan Features – USDA Loans

  • 100% financing on fixed 30 year term supported by an appraisal
  • Eligible for 100% closing costs gift
  • Some minor home renovations can be financed in addition to purchase price
  • Federally insured 
  • Low and moderate incomes can qualify
  • No down payment required
  • Competitive interest rates
  • Not limited to first-time homebuyer
  • Up to 6% of lender fees and closing costs may be conceded by the seller
  • No private mortgage insurance required

Typical Loan Requirements – USDA Loans

  • Home must be located in qualifying area
  • Must be primary residence
  • Income limits apply based on the number of occupants