Loan Program
USDA Loans
100% financing for eligible rural areas
What is a USDA Loans?
USDA home loans are backed by the U.S. Department of Agriculture and are designed to promote homeownership in rural and select suburban areas. They offer 100% financing with no down payment required, making them one of the most affordable loan options available to qualifying borrowers.
Key Features
- 0% down payment
- Low annual mortgage insurance fee
- Competitive fixed rates
- Flexible credit guidelines
- Seller can pay closing costs
- Owner-occupied only
Requirements
- Property in USDA-eligible area
- Income within 115% of area median
- Stable 2-year employment history
- Must be primary residence
- Property size/use restrictions apply
At a Glance
Min. Down Payment0%
Min. Credit Score640
Best For
- Buyers in rural/suburban areas
- Low-to-moderate income households
- Those with limited down payment savings
- Buyers in USDA-designated zones
Ready to Apply?
Get pre-approved in as little as 24 hours. No obligation.
Start Application Call +1 (305) 705-2030Take the First Step
Ready to Find Your
Perfect Loan?
Whether you're buying your first home, upgrading, or refinancing, our team is ready to guide you. Getting pre-approved takes less than 10 minutes.
No obligation. No credit pull required for pre-qualification.