USDA Mortgage Loans

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Our USDA Loan Rates Are Low & Our Process is Quick & Painless

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What are USDA Loans?

Since 1937, 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. This guide will help you figure out what these loans are and whether you qualify.

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, starting with our FREE USDA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The USDA Loan Process

Here’s how our home loan process works:

  1. Complete our simple USDA Loan Qualifier
  2. Receive personalized loan option
  3. Compare mortgage interest rates and terms
  4. Select the offer tailored to your needs!

Why a USDA Loan?

There are many benefits to getting a USDA Loan. Qualified buyers can get up to 101.25% financing. There is also no down payment required for borrowers who qualify for a USDA Rural Development home loan. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage. USDA Loans generally have lower interest rates and low mortgage insurance.

USDA Loan Qualifier!

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Low Mortgage Insurance
  • No Loan Limits
  • Terms from 5 to 30 Years

Get Your FREE USDA Loan Quote Now!

I Want My FREE USDA Loan Quote!