USDA Loan Program

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The USDA program is for rural home loans only, which the property must be within the approved USDA rural area and has income restrictions on this loan as well, depending on how many people are in your household.

USDA Program Highlights

  • The home must be in a qualified “Rural” area per USDA, Website shown below to check eligibility.

  • Income cannot exceed 115% of the Median Household income for the area.

  • Primary Residence only.

  • 100% financing eligible, as low as 0% down payment

  • Cash-out refinance, purchase or rate and term refi eligible.

  • 15 & 30 year fixed rate loans.

  • You must be a US Citizen or Permanent resident alien.

  • 640 Credit Score requirement.

To verify property eligibility for this program, please visit the USDA website.

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