Rural Housing Loans are offered in conjunction with the U.S. Department of Agriculture (USDA). To take advantage of this loan the subject property must be located in a designated rural area, identified by USDA Rural Housing.  Typically, rural areas are towns with less than 20,000 residents that are removed from urban areas.

USDA Home Loans provide 100% financing for a home purchase or refinancing in a USDA designated rural area. Our team has many years of USDA experience to help you get into the home of your dreams!

• Borrower can only own one property at a time using USDA unless the borrower is underwater and home cannot be sold on the current market.
• Approval and income restrictions are limited to automated underwriting by the Guaranteed Underwriting System (GUS).  There is no set income ratio- GUS makes that determination
• Client cannot purchase property within 3 years of foreclosure
• VOR must be perfect depending on credit history
• Co-Signers are eligible
• Minimum credit score is 640