USDA Mortgage Loans

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U.S. Department of Agriculture Loan (USDA)

Best for:
Buyers looking to purchase a home in a rural or suburban area with no down payment and minimal investment.

What it is:
A USDA loan is one that is backed by the U.S. Department of Agriculture. This type of mortgage loan offers many advantages for borrowers who may not qualify for other programs, such as flexible credit guidelines and low monthly mortgage insurance costs. It is important to note that properties that qualify for USDA funding must fall within certain geographical areas.

USDA Loan Pros and Cons

No down payment option
Flexible credit and qualifying guidelines
Ability to finance repairs and closing costs into loan


Geographical restrictions
Income limits
Single family, owner occupied homes only – no investment properties

Unsure which mortgage program will best fit your needs? contact us and one of our home loan advisors will help find a program that best fits your unique situation.

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