USDA LOANS

Get a mortgage with ZERO lender fees and close in 30 days. It's that simple. Pre-qualify or apply for your mortgage in minutes.

Get a mortgage with ZERO lender fees and close in 30 days. 

It's that simple. Prequalify or apply for your mortgage in minutes.

USDA Loans

A loan with low interest and zero down payments designed for low-income Americans who don't have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area.



Minimum USDA guidelines require:

U.S. citizenship or legal permanent resident (i.e. U.S. non-citizen national or qualified alien)

Ability to prove creditworthiness, typically with a credit score of at least 640

Stable and dependable income

A willingness to repay the mortgage - generally 12 months of no late payments or collections

Adjusted household income is equal to or less than 115% of the area median income

Property serves as the primary residence and is located in a qualified rural area

To be eligible for a USDA loan, applicants must meet the basic eligibility requirements set forth by the USDA, which cover credit, income, property usage and home location.

Each factor plays a significant role in meeting the USDA’s mission of providing safe and sanitary housing for low to moderate-income families.