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

Working with Travis took all the pain away when you’re buying a new home. Not only was he quick to respond, and thorough, but his character says a ton about the person he is. This man went above and beyond for me and made my cross country move a whole lot easier. Would absolutely recommend to anyone looking for buy or refinance!! 10/10

A V

I couldn’t have asked for better folks to work with in getting my home loan. Travis and Victoria were both extremely professional and kept me in the loop on what I needed to do all the way through.

Jared Green

My wife and I had a fantastic experience with Travis at USA Mortgage. He made the process easy and seamless and was more helpful than I can express. I would recommend him to anyone who is looking for a house and a loan. I cannot suggest him enough!!!

Stephen Alexander

I am a veteran and Travis made the VA home loan process super easy. Very helpful with all the info and any questions I had. Would highly recommend to anyone buying a home to definitely go through him. Made everything painless. Awesome service

Blake Pridgen

I worked with Travis on the sell side of a deal, buyer panicked a little midway through the deal which would have thrown a domino of deals in the toilet. Travis was able to talk to the buyer, reassure them and help with some loan adjustments to make it work. That is the type of lender Realtors want to work with!!

Whitney Shoffner

Travis and his team made our mortgage process easy and painless. Which is probably not an easy task in today’s market. Many thanks!!