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USDA Loans.

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Program overview

The Lowdown on USDA Loans…

Our USDA Loan Rates Are Low & Our Process is Quick & Painless. The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify. Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don't require a cash down payment. To qualify, you need to have a decent credit history.

Why USDA?

Why a USDA Loan?

There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.

Loan features

USDA programs we offer.

Fixed Rates
Adjustable Rate (ARM)
Low Mortgage Insurance
No Loan Limits
Terms from 5 to 30 Years
USDA program types

USDA Rural Development loan types.

The USDA offers a variety of loans to help low- or moderate-income people buy, repair, or renovate a home in a rural area.

Single-Family Direct
Direct Homeownership
Loans issued directly by USDA for very-low-income borrowers in eligible rural areas. Effective rates can be as low as 1% with payment assistance.
Single-Family Guaranteed
Guaranteed Homeownership
USDA guarantees a loan you take with an approved lender. The most common path — typically no down payment required.
Rural Repair & Rehabilitation
Home Improvement
Loans or grants for low-income homeowners to repair, improve, or modernize their homes or to remove health and safety hazards.
Mutual Self-Help
Build Your Own
A program where groups of families build their own homes together with USDA technical assistance, contributing labor in lieu of down payment.

All USDA programs require a decent credit history. Not sure if your address qualifies as a rural area? We'll check eligibility for you on the call.

FAQ

Common questions answered.

USDA loans are for low- to moderate-income buyers purchasing a home in an eligible rural area. Income limits, property location, and credit history all factor in. We'll help you check eligibility.
Yes. The USDA Rural Development Guaranteed loan allows 100% financing — no down payment required. You can also use a gift or grant toward your mortgage.
USDA's definition is broader than you might think — many small towns and outlying suburbs qualify. We can check the USDA property eligibility map for any address.
USDA loans generally require a decent credit history. Lenders typically look for 640+, though exceptions are possible with compensating factors.
USDA loans carry an upfront guarantee fee and an annual fee, but these are typically lower than FHA mortgage insurance. We'll show you the exact figures with your quote.
USDA also offers refinance programs (including streamlined refinances) for existing USDA borrowers. Ask us if your current loan qualifies.

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Low-down option

FHA Loan

3.5% down, flexible credit, government-insured. A solid alternative if your property isn't in an eligible USDA area.

 For veterans

VA Loan

Zero down, no PMI, no income limits. If you served, VA may be the strongest no-down-payment option.

Ready to become a homeowner?

USDA pre-approval takes minutes. We'll check property eligibility and walk you through the process.

Apply now Call (949) 296-0636