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 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
We had a great experience with Travis and his team! After having problems with our previous lender he was able to make a fast turn around so we could close on time. Highly recommend!

M Benton
Travis is so top notch! From the first call he has gone above and beyond. Answered every question, email, text; and in a timely fashion. His knowledge and expertise has been tremendous and he is so supportive, professional, and patient. Would definitely recommend him (and will) to everyone who needs a home loan.

Tammi Harrington
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.
Elizabeth Patrick
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
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.
