Buy a home
U.S. Department of Agriculture (USDA) Loans
A government-backed loan for homes in eligible rural and suburban areas, designed to make homeownership more reachable for moderate-income buyers.
Who it's for
- Buyers purchasing in a USDA-eligible area
- Households within USDA income limits
- Buyers who want to put little or nothing down
Requirements at a glance
LocationAn eligible rural or suburban area. Many suburbs qualify.
IncomeWithin USDA limits for your area and household size.
Down paymentOften none.
FeesAn upfront and an annual guarantee fee.
General information only. Eligibility, terms, and requirements vary by lender and borrower, and not everyone will qualify. This is not a commitment to lend.
How it works
Four steps. Zero guesswork.
1
Tell me your goals
A short, no-pressure conversation about what you want and your numbers.
2
I compare lenders
I look across lenders to find the best USDA loan option for your situation.
3
You apply, I run the file
One application. I manage the file and keep you updated.
4
Close with confidence
You know what to expect at every step, all the way to the keys.
Questions
Good to know.
No. It's for homes in eligible areas, and many of those are small towns and suburbs, not just farmland.
USDA has an eligibility map, and I'll check the address with you before you fall in love with a house.
In some cases, yes. I'll check whether your current loan and home qualify.
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Let's get started
Ready to see what you qualify for?
It takes five minutes and a soft credit check. No obligation, no pressure, just a clear picture of your options.