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
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
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
Travis was great to work with! Walked us through every step of the process and was extremely helpful. We will use him again in the future 🙂
Meagan Emmerson
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 and his team made our mortgage process easy and painless. Which is probably not an easy task in today’s market. Many thanks!!
