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

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 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

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

My wife and I had a fantastic experience with Travis at USA Mortgage. He made the process easy and seamless and was more helpful than I can express. I would recommend him to anyone who is looking for a house and a loan. I cannot suggest him enough!!!

Stephen Alexander

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 Bell, Is my loan originator. As a realtor, i always need a lender i can trust to get the job done and do it fast! My clients need to be able to contact to get thru the tough stuff! Thanks Travis! Great job!