USDA Loans

Get a mortgage with a lower credit score and put less money down.

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:

Take the first step toward the right mortgage.

Apply online today!

Apply Now

USDA Loan Mortgage Rates

See Rates and Get an Instant Quote

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.


5/5 Star Reviews on Lending Tree, Google, and Zillow.

Ready To Apply?