USDA Rural Development is committed to helping improve the economy and quality of life in rural America.

To be eligible for a USDA loan the borrower(s) must meet income guidelines set by the program and the property being mortgaged must be located within an area considered rural by the USDA.

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Key Features of a USDA Rural Loan

100% financing - No Down Payment

Serves low to moderate income applicants

30 year loan terms with fixed interest rates

Expanded qualifying ratios

Gift/Grant Funds and Mortgage Credit Certificates (MCC) allowed

Purchase, new construction and refinance available