USDA Loans

The USDA (which stands for the United States Department of Agriculture) changed its rules in 2009, allowing millions of Americans to become eligible for its rural mortgage programs. The American dream of home ownership has become more difficult as families struggle to come up with the 20% down payment that many conventional home loans require. With the USDA loan, many are still able to get a zero down home loan.

Do I Qualify for a USDA Loan?

In the past, USDA Loans were often called “farmers loans,” but times have changed. Almost anyone, outside of a major metropolitan area, looking to purchase a home can qualify for a USDA loan. Eligibility varies based on location, income, credit history, and number of dependents claimed. Speak with one of our experts to see if you qualify.


  • Zero money down and 100% financing is available
  • USDA loans come directly from the federal government or from government backed lenders
  • You can have lower monthly payments with terms up to 38 years
  • Bad credit can qualify
  • Low income families can qualify

USDA Loans are for:

  • New Home
  • Pre-existing home
  • Condominium
  • Townhouse
  • Land and the cost of home construction
  • Commercial property
  • Farms and equipment

Have questions?

If you are interested in finding out if an USDA loan is right for you, please contact us or fill out our pre-approval form. One of our experienced loan officers will help you evaluate your loan options quickly. 

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