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

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.