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 always very informative and courteous of my time. I appreciate how easy the whole team at Keller Williams and USA mortgage made my process of buying a home 🙂

Brianna Waite

Absolutely wonderful to work with. We have bought 2 houses using Travis as our broker and both times everything went very smoothly and we were even able to close earlier than expected. Would 100% recommend working with him!

Rebekah Woolery

Travis and his team were awesome! We highly recommend them because they made our home buying experience so easy! They are professional, knowledgeable and go the extra mile for their clients!

Karen Groeneweg

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

Travis was very helpful and knowledgeable throughout the process of buying our home! He was always available to answer any questions we had and helped the closing process go smoothly!

Taylor Major

Travis was excellent! Responded within minutes whenever we had questions, even after hours! He made the whole process as fast and easy as it could possibly be. Very professional and friendly. Working with Travis was like working with a friend, very open to answering questions and explaining the details every step of the way. Would recommend 100%! Don’t buy a home without Travis Bell!