USDA Mortgage Loan
Live comfortably outside of city limits. The United States Department of Agriculture (USDA) has developed affordable USDA mortgage loan financing options for homeowners located in designated small towns, suburbs and exurbs. This program helps eligible low- to moderate-income families achieve homeownership by offering a no down payment option.
Talk Through My OptionsWhat is a USDA Mortgage?
USDA mortgage loan options are often also referred to as USDA/Rural Development Loans, because that is their primary purpose — to generate greater interest in homeownership in rural areas, suburbs and exurbs. Providing affordable homeownership opportunities in these areas promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.
These 30-year, fixed-rate mortgage loans are guaranteed by the U.S. Government's Department of Agriculture, in the same way a VA home loan is guaranteed by the Department of Veterans' Affairs (VA). There is a no down payment option available to those who qualify. The loan term for a USDA loan will always be 30 years, as all USDA loans are 30-year mortgages.
USDA Loan Highlights
Home loans guaranteed by the United States Department of Agriculture (USDA) provide affordable financing options for properties located in designated small towns, suburbs and exurbs. This program helps eligible low- to moderate-income families achieve homeownership by offering a no down payment option.
With flexible requirements, USDA loans feature:
USDA Mortgage FAQs
Ready to explore USDA options?
We can help you determine if a USDA loan is the right fit for your home buying goals.
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