What Are USDA Loans?

USDA loans are government-backed mortgages designed to promote affordable homeownership in eligible rural and suburban areas. These loans are part of the U.S. Department of Agriculture’s Rural Development program and aim to boost economic development in underserved communities. With no down payment required, USDA loans are one of the most affordable options for qualifying homebuyers.

Why Choose a USDA Loan?

• 100% Financing: No down payment required.
• Low Interest Rates: Government backing ensures competitive rates. 
• Flexible Credit Requirements: USDA loans are accessible to a range of credit profiles.

Eligibility Requirements

• Property must be in a USDA-eligible area.
• Income limits apply based on location and household size.
• Stable income and employment history.