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Loan Types

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United States Department of Agriculture Loan

The Single Family Housing Program under the United States Department of Agriculture (USDA) provides home ownership opportunities to buyers looking for a home in rural areas who meet certain income requirements. There are several loan, grant, and loan guarantee programs that assist people in finding a home that suits their needs.

USDA Loan Benefits:

  • There is no down payment.
  • Borrowers are able to use a gift or grant to go toward their mortgage.
  • Maximum loan limits vary based on location.

Qualifying Applicants:

  • Individuals who meet income-eligibility requirements.
  • Buyers will personally occupy the dwelling as their primary residence.
  • Individuals who meet credit obligations such as paying credit payments on time and possessing a good credit history.
  • Qualifying applicants must purchase a property that meets all program criteria.

USDA Funds can be used for:

  • Refinancing of eligible loans.
  • New or existing residential property to be used as a permanent residence.

Please contact the loan office closest to you for more information on how to qualify for a USDA loan.