Bright lights, big city, no thanks.
USDA loans for towns with populations up to 20,000.

The good life starts here.

Discover The Benefits

See why a USDA loan is a great choice for those who live in rural areas.

Find out more
  • No Down Payment
    USDA loans are one of the only home loans available today with no down payment required.
  • 100% Financing
    Homebuyers may finance a home for 100% of the purchase price.
  • No Funds For Closing
    100% financing to buyers and closing costs can be paid by the seller or rolled into the loan, provided the home appraises for more than the purchase price.
  • Not Just Farmland
    Properties are often near desirable metropolitan areas. Check to see if your home is in a USDA-eligible area here.

Check Eligibility

See if you meet the requirements for a USDA home loan.

Take a look
  • Credit score ≥ 640
  • 0% down payment options available
  • Debt-to-income ratio less than 45%
  • Income limits may apply based on household size
  • Property must be in a qualifying area (check here)
  • Borrower must not have sufficient assets to obtain other traditional conventional financing. The borrower may, however, qualify for an FHA or VA loan.
  • Additional underwriting requirements will vary by borrower situation

Know More

Check out loan calculators, videos, tips, and articles to ensure you're up to speed.

Educate Me

Get Pre-Approved

Fill out a Pre-Approval form and start searching with confidence.

Get started
  • Determine what you can afford and focus your house-hunting efforts
  • Demonstrate to the seller that you have taken the initial steps to obtain a home loan which can be an advantage over other offers
  • Eliminate surprises; sometimes the pre-approval process can uncover minor issues that are easy to fix and help you get started on the right foot
  • It's free, takes just a few minutes and there's no obligation
  • Apply now!

To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income.

Private Mortgage Insurance (PMI) is a policy which protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.