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 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
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
The clients came to me as pre-approved buyers. I was not a part of the approval process, but the closing was very smooth! Travis’s processor kept in touch the whole time and kept me, as the realtor, informed throughout the process.
Christi Fox
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
Travis was fantastic to work with! Great communication! Paperwork finished in a timely manner. Great experience for buying my first ever home!!
Stacie McConnell
Travis and his team have been so great to work with! They have been supportive throughout the entire journey and have always been quick to answer every question along the way. As first time home buyers, it’s been wonderful to have such positive people to work with.
