
Who Are USDA Loans Best For?
USDA loans, also known as rural development loans, help make owning a home more affordable for those living in eligible rural and suburban areas and with household incomes within the USDA limits.
How Do USDA Loans Work?
USDA loans are backed by the U.S. Department of Agriculture, making them more accessible than other loan options.
You can get a USDA loan as a 30-year fixed-rate mortgage.
If you already have a USDA loan, you can refinance it into a new USDA loan; however, you can’t refinance with a USDA loan if you currently have a different loan type.
How Do I Qualify For A USDA Loan?
To qualify for a USDA loan, you’ll need:
- A minimum FICO ® Score of 640.
- An eligible property – the home you want to buy or refinance must be in an eligible rural or suburban area. Find out if your property is eligible.
- A household income under the limit set by the USDA for the area where you want to buy a home. Check your income eligibility with the USDA.
Take the first step toward the right mortgage.
Apply online today!
USDA Loan Mortgage Rates
USDA Loan Benefits
- You can qualify with a credit score as low as 640.
- USDA loans require no down payment, unlike FHA and conventional loans
- The USDA monthly guarantee fee is lower than the FHA monthly mortgage insurance, in most cases, and you may be able to roll these fees into your loan.
- You may be able to roll your closing costs into your loan.
- If you already have a USDA loan, you can refinance it into a new USDA loan.


USDA Property Requirements
- The home must be your primary home, not a vacation home or income property.
- The property can’t be a working farm.
- Your home appraisal must show the condition of the home meets USDA standards, including:
- The water, electrical, heating and cooling systems must be up to date and functional.
- The foundation and house need to be structurally sound.
- The property must be accessible from a paved or all-weather road.
WHAT OUR CUSTOMERS ARE SAYING
5/5 Star Reviews on Lending Tree, Google, and Zillow.
- Andrew Trombley5/06/2025Working with Cam Bacon and the F5 Mortgage Team was phenomenal. Cams proven track record as a broker is incomparable, he is always available. His market knowledge and effective communication streamlines this process and made it very easy to get approved and closed. Strongly recommend working with cam and the F5 Mortgage team.READ MOREread less
- Blanca T4/23/2025First and foremost, I have to give thanks to the incredible Executive Loan Officer- Cam Bacon! He went ABOVE & BEYOND to help me navigate this whole refinancing world. Without his expertise, patience, understanding, dedication, & selflessness- I wouldn’t have been able to accomplish this goal. He goes above & beyond by being available past office hours and he molds himself to the best way you communicate. For example, during the day it was very difficult for me to answer phone calls due to following an educator’s work schedule (7:45AM-5PM), but Cam would text me & keep me informed. It can be difficult to find a company and people who are available when you need them, and I’m beyond appreciative of Cam’s time. F5 Mortgage definitely has a team that surpasses client satisfaction. F5 Mortgage has an elite team to get you through the finish line. My finish line was refinancing my home, and Cam made the magic happen. He then led me to Jorge Menocal who helped ensure a smooth closing. I’d recommend F5 Mortgage to anybody, BUT you definitely need Cam Bacon in your corner! 🥳😎READ MOREread lessD Rivera4/22/2025Working with Maxwell Lepora at F5 Mortgage was a truly exceptional experience. Maxwell went above and beyond to secure a 4.75% interest rate for us—the lowest it had been for a single day in 2024—and locked it in without hesitation. This level of initiative and attention to detail and transparency made a significant difference for our family.As I prepared for an upcoming deployment, time was of the essence. Maxwell ensured we closed within 30 days, coordinating seamlessly with the closing company to make the entire process smooth and stress-free. The closing in Houston, TX, was handled efficiently and professionally, with no surprises or last-minute issues.Maxwell is someone you can trust to exceed expectations. He’s highly responsive, truly listens to your needs, and works diligently to support your goals. If you're looking for someone who combines expertise with genuine care and reliability, Maxwell is the person to have in your corner.Highly recommended, and I will work with F5 Mortgage again. I purchased my home with their company in August of 2024.READ MOREread less
- Cy Revilla4/07/2025If we could give more stars, we would. We can highly recommend them. It is our first time buying a house and Cam has been very patient answering all our questions. We live in different time zones but he was always available to answer all our text and calls from the start until the end. He made sure that we got the best deal/ mortgage rate. Meanwhile AJ was very fast processing our loan. We spoke to multiple mortgage brokers and it was the best decicion to choose Cam and F5 mortgage to assist us in buying or very first HOME.READ MOREread lessKarla Molina4/07/2025My husband and I were first time homebuyers so we were very new to the whole home buying process but working with the right team made this a breeze! I worked directly with Norman and Jorge and they are very good at what they do. Not only are they extremely knowledgeable but they were also very patient and responsive! These guys are not only good at what they do but you can just tell they genuinely have your best interest in mind and that’s what makes the difference! I recommend you use this lender 10000% you won’t regret it!READ MOREread less
- jeremy saenz2/21/2023Milan and his team made the house buying experience a breeze, this was the easiest house buying experience I’ve had from start to finish Milan and his team got all the financing and paperwork done in 2 weeks!!!! If your looking to get things done quick and easy call F5mortgage.READ MOREread lessElizabeth Colon2/20/2023I had a horrible experience with another mortgage company.F5 stepped in while I was in a crisis and about to have a meltdown.They fixed everything and got me to my closing. They were awesome answered every email every call. I would recommend then a thousand percent.READ MOREread less
- Selena Perez1/05/2023F5 was amazing! I’m a first time home Buyer they gave me a good rate compared to what the rates are in the market and they made the process so easy and not too stressful! Jorge & Scott we’re great very knowledgeable, fast responses, explained everything to me in detail when I didn’t understand things and overall just amazing! I would recommend to anyone that is in search for a home to contact them! Thank you guys 😊READ MOREread less
- Dev Theofanopoulos10/08/2022Brian from F5 is an actual angel and and I would recommend him and his knowledge/company to ANYONE!! I can’t even express how much he went out of his way and above and beyond for me and my family.. a very long, painful and drawn out process finally ended because of his extra care and attention to our not so conventional case. He made a dream come true and made me feel like a priority with his friendliness and openness to get things done! Grateful beyond belief for these guys! CALL F5! ❤️🔥READ MOREread lessAlan Densmore9/16/2022I can not say enough about the positive experience Adam Smith made the mortgage approval process. Adam is the consummate professional. He is an extremely calming and reassuring presence. He knows his job and doesn't miss a trick. Dots all the I's and crosses all the T's. He walked me through every step of the process. I was often nervous and unsure and Adam calmed me and guided me with empathy and respect. I feel so fortunate to have Adam as the one to get my wife and I through this whole mortgage process.READ MOREread lessTorsin8/30/2022Ryan, Melissa and AJ were extremely helpful and expedient in the process of acquiring our loan. He was prompt to answer any questions we had. He was also very thorough with his answers and we were very confident through all steps of the process that we were well informed of all our options and steps moving forward. I highly recommend F5 mortgage, as a first time buyer they made the process easy and efficient.READ MOREread less
- Vuyiswa Wako Zingelwayo6/24/2022Having tried different trading platform my last experience with Mrs, Hendrick Jennifer is the best, I met a recommendation by someone on this page writing how Ma'am Hendrick Jennifer helped her earn $7,550 with $700 weekly on forex and crypto trading, I’m happy to let you know how excited i feel right now, i contacted her to give it a try and i have made withdrawal twice now without any hindrance contact her now to know how its works and thank me later. DM her via WhatsApp:+13523402962 or Email; hendrickjennifer550@gmail.comREAD MOREread less
- Patrick Egan6/01/2022Loan fees were very reasonable (best I came across), interest rate was actually .25 lower than most of the others I looked at, and yet they still had lower fees. The team was very responsive when I had questions, and the whole process was very fast (they seem to typically use rocket mortgage, which has a very nice online process for reviewing documents and uploading bank statements & other documents they need from you). I would absolutely recommend F5.READ MOREread lessMary Williams5/20/2022I can honestly say that my loan broker, Joe Bloxson, was diligent in moving my loan application along and keeping me informed. I have done several refinancing loans and obtained 5 mortgage loans over the past few years. This one ranks among the top 5 experiences with the loan process. It was well worth the time I spent.READ MOREread less
- Kelsey Cole5/04/2022My experience with F5 could not have been better. As first time homebuyers we had a ton of questions and our buying process was also a bit complicated. Milan and Nate from F5 were professional and always available. They are helpful and kind and went the extra mile for our loan. I cannot recommend F5 enough. Thank you for making a stressful season more manageable. There aren’t enough words to thank you all!READ MOREread less
- Robert Abbott4/02/2022We had checked with other mortgage companies on doing a refinance on our home and wasn't pleased with them ! We Found F5 Mortgage and have been very satisfied with all there services ! Aston and Melissa Sokoinicki was very professional and walked us through the process step by step ! Was also very knowledgeable and answered all our many questions promptly ! The refinance process was very quick and we are 100% Satisfied ! We will recommend F5 Mortgageto others.READ MOREread less
- Marcos Torres2/28/2022F5 mortgage helped me with my home refinancing, the process was smooth and completed in a timely manner.They took the time to explain my best options, provided assistance and answered any questions or concerns during the entire process.I would highly recommend F5 mortgage to anyone looking for a professional and reliable mortgage lender company.A special thanks to my loan officer Jason Howes who was always available to guide me from the start to closing.READ MOREread lessBernard Alimenti2/25/2022Went to F5 with only 25 days to close. I dealt with Trevor who was the greatest. He was competent, informative and kept to every deadline. We were able to get the final approval to close in 2 1/2 weeks. This while also including self -employment in the mix. I am very hard to please and they went beyond my expectations. I HIGHLY RECOMMEND TREVOR with F5 Mortgage.READ MOREread less
- Cory Smith2/11/2022Excellent service. Very accessible team with access to multiple lenders making them much more competitive than your average bank/ lender.Professional staff. Attentive. All of the things that you're looking for when going through a real estate transaction. Would highly recommend giving them a call.READ MOREread lessEllsworth DeVeaux, Sr.2/11/2022Jason Howes and his team were very professional from start to finish. I was a little hesitant about processing my loan application online but found the process super easy. Any questions or concerns were answered promptly with an email or phone call. The whole experience was stress free no pressure sales pitch. Jason didn't try to sell me because F5 Mortgage product spoke for itself. Thank you Jason and your wonderful team of Mortgage professionals.READ MOREread lessNathan MacGirr2/04/2022Quick and easy process. Ryan and Melissa made the whole process extremely simple for us. We saved over 1.5 points on our interest rate and thousands of dollars on closing costs by choosing F5. We were able to get cash out of the equity in our home to become debt free all while actually getting a LOWER monthly payment. Highly recommend for all of your mortgage needs.READ MOREread less
- Joseph Guelli12/29/2021Best refinance experience I have ever had. Everyone was very helpful and responsive. Always answered the phone. In addition to the sub 3% rate I received , they saved me an extra 5K in closing cost by advising me what creditors to pay off before completing a rescore just prior to closing. Positive experience from start to finish. I highly recommend F5 Mortgage to anyone looking for to purchase a home or refinance the one they have.READ MOREread less
- Adriano Biasella12/28/2021I strongly recommend to work with F5 mortgage of you are looking to get a mortgage or refinance your existing mortgage.Trevor was my agent and I only have good things to say about him. He was extremely professional and always available even during weekend to respond to my questions and everything he promised he did. The process was easy and fast and I was able to close the refinancing in less then 3 weeks and after shopping around F5Mortgage was able to get me the best rate possible.READ MOREread less