USDA Loans

Make homeownership achievable in eligible rural and suburban communities. USDA loans are backed by the U.S. Department of Agriculture and designed to support low- to moderate-income borrowers buying a primary residence in qualifying areas.

A USDA loan offers some of the most affordable financing available, including no down payment for eligible borrowers.

Why Choose a USDA Loan

• No down payment required for qualified borrowers.
• Competitive fixed interest rates.
• Lower mortgage insurance costs than many other programs.
• Flexible credit guidelines.
• Closing costs may be financed into the loan in certain cases.

How USDA Loans Work

• The property must be located in a USDA-eligible area.
• Household income must fall within program limits.
• Borrowers must occupy the home as their primary residence.
• Loan terms are typically 30-year fixed-rate.