Guaranteed Rural
Housing (USDA)

Guaranteed Rural Housing, Zero Percent Down

The USDA loan program is a great option for homebuyers seeking 100% financing. If you're looking or considering purchasing a home in an eligible rural area, you may be eligible to qualify for this awesome program. Through our extensive wholesale lender partnerships we can find the the right loan for you.


Why a USDA Loan? There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.

The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan.

Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don't require a cash down payment. To qualify, you need to have a decent credit history.

We're here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, and get you Home FAST!

Right for you?

Closing costs and prepaid expenses may be financed on some transactions

No Reserves Required

Non-traditional credit may substitute for lack of credit history

Maximum base loan amount up to 100% of APPRAISED valued (102.4%0

Low Minimum Credit Score Requirement

Purchase and Refinance Options

Fixed-rate and Fixed-term

Manufactured Housing OK

One Time Close Construction Loans Available

USDA Repair Escrow Available for both interior and exterior repairs

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