About this loan type

A USDA Loan is a government-guaranteed mortgage for buyers in eligible rural and suburban areas. Offered through the U.S. Department of Agriculture, this loan provides 100% financing, meaning no down payment is required. It’s a great option for low- to moderate-income borrowers looking to buy a home in a designated USDA area with lower monthly payments.

​Why Choose This Loan?

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• No Down Payment: 100% financing options make homeownership accessible with no down payment.

• Lower Monthly Payment: USDA Guarantee Fees take the place of Mortgage Insurance to offer a lower monthly payment than an equivalent FHA or Conventional mortgage.

• Competitive Rates: Rates are often lower than conventional options, making monthly payments more affordable.

• Ideal For: Buyers in rural or suburban areas meeting USDA eligibility requirements.