What is the USDA Home Loan Program?

The USDA Guarantee loan is a 100% financing mortgage for moderate-to-low-income homebuyers in eligible rural and suburban areas.

USDA Home Loan Benefits

  • Zero down payment
  • Low mortgage rates
  • Low PMI (mortgage insurance)
  • 30 year and 15 year fixed rate options available
  • Easier to qualify for than conventional mortgages

USDA Loan Requirements

  • Meet the income limit
  • Be a U.S. citizen or qualified alien
  • Must be your primary residence
  • Pay your bills on time consistently 
  • The property must be in an eligible location -You can check the USDA Property eligibility.
  • Work with a USDA-approved lender
  • Must wait 36 months after a bankruptcy/foreclosure to qualify
  • Have an adequate credit score for the loan
Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.
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USDA Home Loan - 100% Financing - No Downpayment

Fill out the form or call us directly at 662.890.3000 to see if you qualify for a USDA Home Loan. 

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