USDA
Home Loans

Who can benefit from a USDA loan?

Loan Program Details

No down payment* is required on these loans. You can go up to 100% financing* and you can finance closing costs into the loan as well as long as the property appraises for enough.
The seller concession is limited up to 6% of the sales price.
Finance closing costs, if market value is sufficient
Gifts permitted for closing costs
Not limited to first time home buyers
Homes must be located in an eligible area as defined by the USDA
Borrowers must meet income limits
Borrower must not own any other properties (call us for exceptions)
Low annual annualized monthly guarantee fee keeps monthly payments lower than loans with traditional mortgage insurance

*100% LTV of the appraised value plus the guarantee fee.

Mortgages Made SIMPLE

Get Pre-Qualified Today!

Start the loan application and get pre-qualified today.

What Our Clients Say

Trusted by Many, Loved by All

Travis was great and was available to answer my questions in a respectful and timely manner. Was new to buying a house and felt at ease dealing with Travis and his group.

Craig Fischer

TRAVIS Bell, Is my loan originator. As a realtor, i always need a lender i can trust to get the job done and do it fast! My clients need to be able to contact to get thru the tough stuff! Thanks Travis! Great job!

Ida Lambrecht

Travis and his team were just amazing to work with when purchasing our home. We are first time homebuyers and they walked us thru each process. They are very professional, kind and communicate so quickly. They were able to get us closed on our first home and we couldn’t be more thankful!!

Diana Gidenko

I knew exactly what was happening at all times. The whole process was painless and everyone I worked with were thoughtful and professional. We love our new home and highly recommend working with Travis and his team.

Tim Caldwell

Travis did a great job with our home buying process. He kept us up to speed and took care of everything in a timely manner. Thank you USA mortgage and Travis Bell!

Crystal Konrad

Inspire of a lot of complications and my emotions that did get the better of me, Travis and his team still performed and managed to make everything fall together!