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USDA Home Loans

$0 Down, Lower Rates and Millions Now Qualify

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Millions Now Qualify for an USDA Loan.
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USDA Loans

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USDA Loans

USDA Loan Program
Growing in popularity, USDA loans offer
incredible benefits to borrowers.

  • Millions in rural and suburban areas now qualify
  • Offer better terms than an FHA or conventional loans
  • Competitive Rates and $0 Down Financing
  • Can be used to buy a new home or refinance to a lower rate.
  • Estimate Your Payments with our USDA Loan Calculator

How to Apply for a USDA Loan

  • Complete this easy, 2 minute form
  • A USDA Loan Specialist will contact you to answer any questions you may have
  • See what you qualify for with no obligations

More Families are Taking Advantage of the USDA Loan

The USDA Loan is a niche mortgage option that only a limited number of USDA approved lenders handle that is available to rural homebuyers, as well as suburban homebuyers. With a USDA Loan, borrowers can purchase, or refinance, 100% of an eligible home with zero down, flexible loan terms and competitive interest rates.

The program — also known as the USDA Rural Development Guaranteed Housing Loan program — is guaranteed by the USDA and is available to first-time and repeat homebuyers alike.

USDA mortgages stand alone as the only zero money down program available to borrowers that have not served in the military. Eligible borrowers will be hard pressed to find a loan program that offers more favorable terms.

Who Qualifies for a USDA Mortgage?

USDA Loans used to be considered "farmers loans" but that is simply not the case anymore. Just about anyone looking to purchase a home outside a major metropolitan area can qualify for a USDA Loan.

Some of the eligibility standards that determine if you qualify for a USDA loan for your home include what county and zip code the home resides in, your current income and credit history, as well as the number of dependents you can claim. Because these guidelines are very specific, it is important to work with a company that has experience dealing with USDA government financing to help determine your eligibility.

Take the First Step, Find Out if You Qualify

Complete this easy, 2 minute form to get in touch with a USDA Loan Specialist. They can help you determine your eligibility and how much you may qualify for.

Two Minute, USDA Loan Request Form

It's Easy! No Obligations, SSN or Credit Check.
We are not a goverment agency.

USDA Loan Facts

Encouraging Rural Home Purchasing
  • $0 Down, 100% financing is available.
  • Terms are up to 30 years allowing you to lower monthly payments
  • Lower income families and those with blemished credit can qualify
  • Available to first-time and repeat homebuyers

USDA Loan Update

USDA funding is back online and USDALoans.com is one of the few lenders who are still able to fund USDA Home Loans in rural areas

USDA Lending Guide
We offer USDA loans, but are
not a government agency.