Loan Program

USDA Home Loans

Learn More

Is a USDA loan right for you?

The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

Mortgage Loan

Benefits of a USDA loan

  • 100% financing: That’s right! This program offers 100% financing for qualifying members.
  • First time buyer friendly: USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
  • No homeowner counseling required: Unlike some other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.

USDA loan eligibility requirements

  • Ability to prove creditworthiness, typically with a credit score of at least 640
  • Stable and dependable income
  • A willingness to repay the mortgage – generally 12 months of no late payments or collections
  • Adjusted household income is equal to or less than 115% of the area median income
  • Property serves as self occupancy
  • Property is located in a qualified rural area

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best rate possible!

Conventional

Learn More!

FHA

Learn More!

VA

Learn More!

Jumbo

Learn More!

Renovation

Learn More!

USDA

Learn More!

Home Ready

Learn More!

Home Possible

Learn More!

All In One

Learn More!

Bridge Loan

Learn More!