Get Started with Your Home Loan


If you are looking to purchase a home in a rural area, you should consider the USDA Single Family Guaranteed Housing loan as an enticing financial option.  The United States Department of Agriculture backs these loans which have minimal restrictions.  Eligibility for a USDA loan is primarily contingent on the subject property location and borrower’s income; the home must be in a rural location and the borrower must not make too much money to qualify. USDA loans do not carry a maximum loan amount, but do place limits on insurance liability to investors. 


  • No preset maximum loan limit
  • No down payment required, financing up to 100% loan-to-value (LTV) available
  • No preset minimum FICO requirement
  • No prepayment penalties
  • Forbearance/assistance options

USDA Program Overview PDF


  • 1.00% up-front guarantee fee at origination*
  • 0.35% annual MIP for life of loan, regardless of LTV*
  • Borrower must currently be without adequate housing
  • Subject property must be “modest” & must be classified as being in a “rural” area by USDA
  • Subject property must be primary residence
  • Maximum income requirements (by county)
  • No bankruptcies, foreclosures, short sales, or deeds-in-lieu in the preceding 3 years

*Fees reflect changes that went into effect October 1, 2016. For more information visit USDA Lastest News

Is my property USDA Eligible?

How much can I afford?

Principal & Interest

*Estimated Tax @1.2%

*Estimated Insurance @ $900/yr

Max Loan Amount: