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
Absolutely wonderful to work with. We have bought 2 houses using Travis as our broker and both times everything went very smoothly and we were even able to close earlier than expected. Would 100% recommend working with him!
Rebekah Woolery
Travis was very helpful and knowledgeable throughout the process of buying our home! He was always available to answer any questions we had and helped the closing process go smoothly!
Taylor Major
Travis was great to work with! He answered all my questions and helped us get to closing quickly! Highly recommend!
Brittany Kiger
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
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 was a true pleasure to work with. I appreciated his no nonsense approach to getting my loan done. It was so much easier than I thought it would be thanks to Travis. I would highly recommend anyone looking to purchase a home to reach out to Travis Bell and his great team.
