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 a true pleasure to work with. I appreciated his no nonsense approach to getting my loan done. It was so much easier than I thought it would be thanks to Travis. I would highly recommend anyone looking to purchase a home to reach out to Travis Bell and his great team.
Michael George
We had a wonderful experience with Travis and USA mortgage. They were always there to answer any questions we had and help us in every step toward purchasing our new home.
Nathan Butcher
Travis Bell is amazing. He will answer all of your questions and does return your phone calls. He makes a pleasure to do buisness with. I would recommend him every time.
Adam Knox
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 was great to work with! He answered all my questions and helped us get to closing quickly! Highly recommend!
Brittany Kiger
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.