USDA Home Loans & USDA Mortgages – Rural Living Made Affordable

Welcome to’s USDA Home Loan & Mortgage page! Here, we are dedicated to providing you with detailed information on how USDA loans can help you achieve your homeownership dreams in rural and suburban areas, all while enjoying the benefits of affordable and flexible mortgage options.

What is a USDA Home Loan? A USDA home loan is a mortgage program backed by the United States Department of Agriculture (USDA) designed to assist low- to moderate-income individuals and families in purchasing homes in rural and eligible suburban areas. The program aims to improve the economy and quality of life in these regions by providing affordable homeownership opportunities.

Benefits of a USDA Home Loan:

  • No down payment required
  • Competitive interest rates
  • Low monthly private mortgage insurance (PMI)
  • Flexible credit requirements
  • 100% financing available

Types of USDA Home Loans:

  1. USDA Direct Loan: Offered directly by the USDA to eligible low- and very-low-income applicants, with interest rates as low as 1%.
  2. USDA Guaranteed Loan: Offered by USDA-approved lenders, where the USDA guarantees the loan, making it less risky for lenders and more accessible for borrowers.
  3. USDA Home Improvement Loan and Grant: Provides funding for repairs and improvements to homes for eligible low-income homeowners.

How to Qualify for a USDA Home Loan:

  • Income must be within USDA specified limits
  • The property must be located in a USDA eligible rural or suburban area
  • The home must be the borrower’s primary residence
  • The borrower must be a U.S. citizen, U.S. non-citizen national, or a qualified alien
  • A credit score of 640 or higher is preferred, though lower scores may be considered with additional requirements

At, our mission is to guide you through the process of obtaining a USDA home loan or mortgage, ensuring that you have all the information you need to make an informed decision. Our team of experienced loan officers is here to assist you every step of the way. Contact us today and discover how a USDA loan can help you purchase your dream home in a rural or eligible suburban area!