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Our rates are low, and our process is quick & painless

What is a USDA Home Loan?

A USDA mortgage loan is a home loan program that is guaranteed by the United States Department of Agriculture (USDA) and is designed to help low and moderate-income families in rural areas to purchase, repair or renovate their homes. This program is aimed at providing affordable financing options to eligible borrowers who may not qualify for traditional home loans. The USDA mortgage loan offers several benefits such as low-interest rates, no down payment, and flexible credit requirements. Additionally, the program offers 100% financing to qualified applicants, which means that borrowers can finance the entire purchase price of their home without having to put any money down. To qualify for a USDA mortgage loan, the property must be located in a rural area, and the borrower must meet certain income and credit requirements.

•Available only in eligible towns and rural areas

•Zero Down Payment

•Fixed Rates and Adjustable Rates (ARM)

•Low Mortgage Insurance

•Additional and annual fees not found on Conventional Loans

•Income limits vary by location

Adjusted income that is 115% or less than the median household income for the area, 640 credit score, home must serve as primary residence, U.S. Citizen, noncitizen national or qualified alien

 

Here’s how our home loan process works:

  1. Complete our online application
  2. Receive personalized loan option
  3. Compare mortgage interest rates and terms

Select the offer tailored to your needs!

Work With Michael

After serving as a Communications Sergeant, Intelligence Sergeant, and Operations Sergeant in the 10th Special Forces Group through multiple deployments, Michael retired from the Army in 2017. Though no longer in the military, Michael wanted to continue to serve those who have served and who continue to serve this great nation.