Flexible options for eligible homebuyers looking to finance a home outside of city limits.



Surround yourself with green pastures instead of gray pavement.

What is a USDA Mortgage?

USDA mortgage loans, or Rural Development loans, are available to qualified borrowers with low-to-average household income for their area.

USDA loans are available through the United States Department of Agriculture and were created to allow eligible homebuyers a chance to qualify for home financing. USDA loan programs offer 100% financing with competitive interest rates and low pre-paid costs.

Additionally, if the property appraises for higher than the contract sales price, expenses such as USDA closing costs and prepaids may be rolled into the loan.

While they may be associated with farm living, there are other areas that may be in eligible! To check eligibility, you may visit the USDA website here.

Key Features and Benefits of USDA Loans

  • 100% financing available
  • 0% down payment options
  • Available for purchase, refinance, or renovation
  • Lenient credit score requirements
  • Unlimited gift funds and/or grants
  • Available for first-time or repeat homebuyers
  • Seller can pay closing costs

Rates & Program Availability Subject to Change. Income & Other Restrictions Apply. Properties Must Meet Certain Requirements & Be Located in Eligible Area. Low monthly mortgage insurance.

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