• What It Is

    USDA (United States Department of Agriculture) home loans offer 100% financing with no down payment, low rates, and affordable payments. These loans are becoming more popular by the day, as buyers discover an easier way to purchase a home with zero down payment. A USDA Loan is one of the most cost-effective home buying programs in the marketplace today. Click Here to find out more!

  • Benefits

    • Buy a home with zero down payment
    • Qualify with a credit score as low as 640
    • Guaranteed fees may be lower than FHA mortgage insurance premiums
  • Who Qualifies

    • U.S. citizens (or permanent residents)
    • Applicants with a credit score of at least 640 with no accounts sent to collections within the last year
    • Applicants who can demonstrate steady income over the last 24 months
  • Typical Requirements

    • Property must be in an eligible rural area and not be a working farm.
    • You must be primary occupant of the residence.
    • Total household income must not exceed 115% of the area’s median family income.
  • Your Step-by-Step Journey Home

    1

    Apply

    Click here to get started on an online application or give us a call.

    2

    Speak to a loan officer

    Our professional loan officers will help determine your current financial situation and your future goals.

    3

    Choose a solution

    Your loan officer will customize a loan program specific to your needs.

    4

    Submit your application

    Your loan officer will help you complete your application and put your loan in process.

    5

    Let us take it from there

    We will process your loan quickly and keep you informed every step of the way.

    6

    Close your loan

    Once completed, we’ll set up an appointment with you to close and fund your loan.

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Find A Loan Officer

Whether you’re buying a new home, refinancing, looking for a cash-out, or just have questions about the process, we’ve got the right people to help you get the right mortgage.

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