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What is an USDA Loan?

The United States Department of Agriculture (USDA) offers a mortgage loan program geared to lower-income Americans with less-than-perfect credit to purchase homes in rural areas.

The USDA may lend directly to lower-income Americans or guarantee a loan for moderate-income Americans. Grants may be available for improvements and repairs to the property, and interest rates may be as low as 1%.

If you have a lower income, derogatory entries on your credit report, or prefer to purchase a home in a rural or agricultural area, a USDA loan may be right for you.

Choosing the right loan that matches your needs and getting the best rate for your specific situation can be a stressful and overwhelming process. We're here to help you go through the entire loan process in the smoothest way possible. Let's start with a FREE USDA Loan Quote.


USDA Loan Process

1. Apply

Complete our simple online application process to get pre-approved.

2. Receive

Receive options based on your specific needs and situation.

3. Compare

Compare the mortgage interest rates as well as the terms.

4. Select

Choose the lender and the loan terms that best suit your needs!

USDA Loan Benefits

0% down payment available

To lower-income Americans.

Interest rates as low as 1%

And industry-best PMI.

Rural properties

Perfect for buyers who prefer rural properties.

Looking to Buy or Refinance?
Take our quick eligibility quiz! It’s fun, free, and there’s no obligation.