USDA Loans

What is a USDA Loan?

USDA loans are one of the best-kept secrets in mortgage finance. Created to support rural development, the program now covers most suburbs and small cities outside major metros.

Eligible buyers get 100% financing, below-market rates, and the lowest mortgage insurance costs of any government-backed loan. The catch: there's a household income cap and the property must be in an eligible area.

We'll quickly check whether your target property qualifies — most do — and walk you through whether USDA beats FHA or conventional for your specific scenario.

USDA loans are 100% financing options for low-to-moderate income buyers in eligible rural and suburban areas — a quietly fantastic program most borrowers have never heard of.

Who qualifies for a USDA Loan?

This program is built for borrowers who match the criteria below. Not sure where you stand? Send us a quick message and we'll confirm in minutes.

• Buyers in USDA-eligible areas (most of the country outside major cities)
• Households with low-to-moderate income
• First-time and repeat buyers alike
• Borrowers with credit scores 640+

Advantages of USDA Loans

• 0% Down — No down payment required — like a VA loan but available to civilians.
• Low Mortgage Insurance — USDA "guarantee fee" is significantly cheaper than FHA MIP.
• Competitive Rates — USDA rates rival the lowest conventional rates available.
• Closing Costs Can Roll In — When the appraisal supports it, closing costs can be financed.

How the process works

1. Check Property Eligibility — We confirm the address falls inside a USDA-eligible zone.
2. Confirm Income Eligibility — Income limits vary by county; we verify against current USDA tables.
3. Apply & Underwrite — Submit a full application; USDA loans pass through a second review at USDA.
4. Close — Closings run 30–45 days due to the USDA second review.