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 very helpful throughout the entire process. He and his team were easy to work with and always very responsive. Would recommend for any mortgage process.

Jill Finney

Travis was great to work with! He answered all my questions and helped us get to closing quickly! Highly recommend!

Brittany Kiger

Travis was well detailed and communicated amazingly throughout the entire process up till closing. Even when there was an unforeseen delay with closing dates he was quick to work on it to get things in order. Would recommend to anyone!

Aaron Long

Travis and the team at USA Mortgage were super friendly and professional and patient in answering all my questions. They made what could have been a very stressful situation easy and stress free. I highly recommend using Travis Bell and USA Mortgage!

Michelle S

Travis is AWESOME! Works with you with very clear directions. Available to answer questions in the evenings and weekends. Worked on a short timeline of two weeks and was able to get everything for a smooth closing.

Elizabeth Patrick

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