A USDA (United States Department of Agriculture) loan is a government-backed loan available to rural property owners. USDA loans offer lending up to 100% of the home’s appraised value. Qualifying properties must be located in USDA defined rural areas and communities to be eligible for USDA loan programs. This program is ideal for borrowers with low-to-moderate incomes in areas defined by the USDA as rural, and first time homebuyers.
The USDA (United States Department of Agriculture) has an eligibility map that you can use to see if the home you want to purchase is in an eligible area for a USDA (rural) loan.
Depending on the USDA loan program you qualify for, there could be no maximum loan limit. Check with one of our loan officers to see what you could qualify for.
USDA (Rural) loans are good options for first-time home buyers, low-income buyers and rural buyers.
USDA Guaranteed Rural Housing loans subject to program stipulations and applicable state income and property limits.*
