Not endorsed or sponsored by the United States Department of Agriculture or any government agency.

To get started with your USDA Home Loan, call (877)701-8732 or Get Started Here

What is a USDA Loan?

The USDA Loan is a mortgage loan issued by approved lenders and guaranteed by the U.S. Department of Agriculture (USDA). The USDA Loan was created to assist homebuyers in finding adequate, safe and sanitary dwellings in what the USDA deems an eligible rural area.

Though referred to as the USDA Loan, the USDA does not lend any money for the 502 Guaranteed mortgage, but guarantees a portion of each loan in case of default. This plays a key role, by allowing lenders to take on more risk and the ability to offer eligible rural homeowners advantageous rates and terms.

Through the USDA Loan, homebuyers living in rural and suburban areas can reap the benefits of zero money down, 100% financing and access to highly competitive mortgage rates.

USDA Loan Benefits

Like all home loans, USDA Mortgages have considerable details - including eligibility requirements for both the homeowner and property. We at strongly encourage you to use this website as a resource. If you have any questions on the program or would like to get started today, call us at 877-701-8732.

What Does the USDA Consider a Rural Area?

Although this program is designed for rural homebuyers, the USDA is very liberal on what they deem a "rural area." This opens the program up for not only those who reside in rural areas, but also suburban areas and even suburbs of major metropolitan areas. The USDA Guaranteed Home loan has assisted thousands of homeowners in route to their dream home and continues to be one of the most advantageous programs on the market today.

Do I Qualify for the USDA Loan?

With the USDA Loan, there are certain home loan qualifications that must be met for the homeowner to be eligible. These qualifications include location, construction standards, income standards and cost limits, some of which can be confusing at times which is why it is best to talk to a loan officer to help ensure you are qualified.

For initial eligibility, see our next section on USDA Home Loan eligibility.

Finding the right home to purchase using the USDA home loan guarantee program can be daunting. But knowing first-hand what you need to look for will help you shorten your shopping time - allowing you to move into a beautiful home soon! is featured in

Using a USDA Loan?

Call (877) 701-8732 or Get Started