USDA Home Loans,
$0 Down, Lower Rates and Millions Qualify!

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Or call 877-701-USDA to speak to a USDA Loan Specialist.

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NOTICE: You have selected that your credit is poor or needs repair. With poor credit homebuyers may have a more difficult time of obtaining favorable terms and conditions, or receiving a loan at all.

We suggest you take the first step and work with a credit repair specialist and remove any unnecessary collections, delinquencies or duplicate accounts from your credit report, so you could possibly receive better terms and conditions.

Learn About Credit Help or click next to continue filling out our form.

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Better Terms than FHA

USDA Mortgage insurance rates are lower than those for a comparable FHA and conventional loan.

Low Rates and $0 Down

Eligible homebuyers often see low rates, even when compared to VA, FHA or conventional loans.

Not a Farmers Loan

This program is no longer meant solely for rural areas, but also, many suburban areas qualify.

New Purchase or Refinance

USDA Loans can be used for new purchases as well as refinancing your current mortgage.

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Why Choose the USDA Loan

More Families are Taking Advantage of the USDA Home 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. Through the power of the USDA Home Loan, eligible homeowners are able to borrower 100% of a home's value without putting a single dollar down, all with flexible loan terms and competitive interest rates.

The program — also known as the USDA Rural Development Guaranteed Housing Loan or Section 502 Loan — is guaranteed by the USDA and is available to first-time homebuyers as well as repeat homebuyers.

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 home 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.

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