The United States Department of Agriculture (USDA) loan is a government-issued program targeted for people searching for a mortgage in a rural area.


One of the things that make USDA loans so popular is that you are able to secure total mortgage financing without a down payment. However, to qualify for a USDA loan you must live in a rural area and have a low-to-moderate income.

Because of its requirements and limitations, the USDA loan is popular among young couples who are buying their first home. Generally, younger couples are just starting out in their careers and do not yet have a high income.

This type of loan was designed to help people who may not meet the conventional loan eligibility requirements. A USDA loan’s term is set at 30 years for a fixed-rate mortgage.



There are several benefits for going the USDA route, including no down payments, low mortgage insurance costs, minimal interest rates, and flexible guidelines when it comes to credit.


To be deemed eligible for a USDA loan, applicants must be a citizen of the United States, over 18 years old, live in a rural area, and be unable to acquire a conventional loan where you would be required to pay a 20% down payment.

Are you eligible for a USDA loan? Do you want to learn more about it and see if it’s right for you and your family?

Our team is always ready to help walk you through the process and find the fit that’s perfect for your situation. Get in touch with us today!