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 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!

Cody Legg

Inspire of a lot of complications and my emotions that did get the better of me, Travis and his team still performed and managed to make everything fall together!

Hailey Davidson

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

I worked with Travis on the sell side of a deal, buyer panicked a little midway through the deal which would have thrown a domino of deals in the toilet. Travis was able to talk to the buyer, reassure them and help with some loan adjustments to make it work. That is the type of lender Realtors want to work with!!

Whitney Shoffner

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 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!