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 always available for questions and helped break down the steps of the process in a way that was easy to understand. I appreciate his time and expertise during our experience.

Ashland Hankins

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!

Ida Lambrecht

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

If it was possible I would give Travis and his team 10 stars. Absolutely phenomenal experience and they made the home buying experience very easy. If you are reading this and trying to decide where to send your business then this is your sign to go with Travis.

Zak Lutgen

Travis was of great help to purchase my first home! He was informative, had great communication, and truly worked hard with best interest for his valued client (me!). I’d highly recommend him.

Benji Bowman

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!