Why the USDA Loan?
Millions are Eligible
For a property to be eligible for the USDA Loan, it must be located in what the USDA considers a rural area. Fortunately, this definition is broad enough to include many suburbs of larger cities.
Zero Money Down
USDA Loans are one of the last $0 down mortgages with 100% financing, resulting in low out-of-pocket costs and one of the most desirable loan programs.
Low, Fixed Rates
USDA Loan rates are often lower than comparable conventional 30-year fixed mortgage rates resulting in a better deal as compared to FHA or conventional loans.
The USDA Loan Process
Prequalification
Start with a rough estimate of what you can afford.
Preapproval
Fill out your loan paperwork and receive you pre-approval letter.
Make an Offer
When you find the perfect home, it's time to make an offer and negotiate a contract with the seller.
Find an Agent
Find an agent that understands your unique needs. Or let us find a local agent for you.
Processing & Closing
Once you're under contract, your loan documentation will be reviewed by an underwriter to verify financial information.
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Here are the most popular mortgage options in the United States. See basic qualification information and down payments for these loans to see which is best suited for you and your next home.
Conventional
This is the most common mortgage option and usually has the best interest rates.
Down Payment: 10% minimum 20% standard
Best For: repeat buyers
FHA
Federal Housing Administration
Makes ownership more affordable with less down and easier credit requirements.
VA
Veterans Affairs
Takes away the need for a down payment without the risk of PMI. Only available to veterans.
Down Payment: 0% minimum
Best For: military veterans
USDA
United States Department of Agriculture
This mortgage option was developed to promote the purchase of rural land.
Down Payment: 0% minimum
Best For: investors
ARM
Adjustable Rate Mortgage
These rates start out lower than any other option, but fluctuate with the market
(and usually not for the better).
Down Payment: 10% minimum 20% standard
Best For: any interested buyers
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