USDA
Home Loans
Who can benefit from a USDA loan?
- Buyers looking for a home in a qualified rural area.
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 @USA Mortgage has been the absolute best during my first time home buying experience. He was patient, thorough with all communications, and always very positive!!! I would 100% recommend him and his team
Amy Eagle
Travis was amazing, we started talking 7 months ago and he told me then we would have a home. He held up to his end. He is very easy to talk to and get ahold of.
Jesse Lafferty
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 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 was great and very good to us. He was in top of everything. We will send our fiends and family to him.
