Affordable homeownership in rural communities
A USDA home loan offers affordable financing for buyers in eligible rural areas. With no down payment required, up to 100% financing and below-market rates, this program makes homeownership more accessible than ever.
USDA loans have simple qualification criteria, low monthly mortgage insurance and are not limited to first-time homebuyers. Closing costs can come from any source, even a gift.
Our lenders will help you determine eligibility and guide you through the USDA approval process.
Highlights:
- 100% financing available
- Competitive interest rates
- Available in designated rural areas
- Backed by the U.S. Department of Agriculture
Discover if your future home qualifies. Check eligibility on the USDA website or let our team help you understand the ins and outs of USDA loan eligibility and benefits.
Get started with a USDA Home Loan today
Contact a local mortgage expert <link to the People page> or apply online.
CTA button: Start Your Application Online Now
Compare mortgage features & advantages
The choice of which mortgage program is right for you depends on a number of factors, including your current financial picture and how long you intend to keep your house. Learn more about the general features and advantages of each program, then allow our mortgage experts to help you evaluate your options and choose the best fit for your plans.
| Mortgage Type | Best mortgage if you want: | ||||
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| Fixed Monthly Payments | Adjustable Rates | No or Low Down Payment | Good Option for First Time Buyers | Construction to Permanent Eligible | |
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Adjustable-Rate Mortgage Key Features: Lower initial interest rates. Potential for significant savings if planning to move in a relatively short time. More on ARMs |
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FHA Loan Key Features: Lower down payment requirements. Great option for first-time home buyers. More on FHA Loans |
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Fixed-Rate Mortgage Key Features: Predictable monthly payments. Good option for buyers purchasing their forever home. More on Fixed-Rate Mortgages |
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USDA Rural Development Guaranteed Loan Key Features: No down payment. Liberal qualifying guidelines. Properties must be in USDA-eligible areas. More on USDA Loans |
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VA Home Loan Key Features: Relaxed qualifying guidelines. Available to veterans of the U.S. Armed Forces and their spouses. More on VA Loans |
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Jumbo Home Loan Key Features: For larger loan amounts that exceed conventional limits. More on Jumbo Loans |
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