USDA Loan
USDA loans are 100% financing options for low-to-moderate income buyers in eligible rural and suburban areas — a quietly fantastic program most borrowers have never heard of.
What is USDA Loan?
USDA loans are one of the best-kept secrets in mortgage finance. Created to support rural development, the program now covers most suburbs and small cities outside major metros.
Eligible buyers get 100% financing, below-market rates, and the lowest mortgage insurance costs of any government-backed loan. The catch: there's a household income cap and the property must be in an eligible area.
We'll quickly check whether your target property qualifies — most do — and walk you through whether USDA beats FHA or conventional for your specific scenario.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Buyers in USDA-eligible areas (most of the country outside major cities)
- Households with low-to-moderate income
- First-time and repeat buyers alike
- Borrowers with credit scores 640+
Key benefits
0% Down
No down payment required — like a VA loan but available to civilians.
Low Mortgage Insurance
USDA "guarantee fee" is significantly cheaper than FHA MIP.
Competitive Rates
USDA rates rival the lowest conventional rates available.
Closing Costs Can Roll In
When the appraisal supports it, closing costs can be financed.
How it works
Check Property Eligibility
We confirm the address falls inside a USDA-eligible zone.
Confirm Income Eligibility
Income limits vary by county; we verify against current USDA tables.
Apply & Underwrite
Submit a full application; USDA loans pass through a second review at USDA.
Close
Closings run 30–45 days due to the USDA second review.
Frequently Asked
Get a personalized USDA Loan quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.