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 great. Helped us through all the hurtles. Several times, unexpected things came up, he had a way figured out for us, Couldn’t be happier! Recommend Travis to anybody

Michael Williams

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 great and was available to answer my questions in a respectful and timely manner. Was new to buying a house and felt at ease dealing with Travis and his group.

Craig Fischer

Working with Travis took all the pain away when you’re buying a new home. Not only was he quick to respond, and thorough, but his character says a ton about the person he is. This man went above and beyond for me and made my cross country move a whole lot easier. Would absolutely recommend to anyone looking for buy or refinance!! 10/10

A V

Travis was very helpful throughout the entire process. He and his team were easy to work with and always very responsive. Would recommend for any mortgage process.

Jill Finney

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!