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 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
Wonderful mortgage loan officer. Kept us updated throughout the process, answered all questions, returned phone calls or answered text messages quickly. Travis made this mortgage experience very pleasant, easy and fast. Thank you Travis Bell! You are the greatest!
David Holt
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 and his team have been so great to work with! They have been supportive throughout the entire journey and have always been quick to answer every question along the way. As first time home buyers, it’s been wonderful to have such positive people to work with.
Erin Porter
Travis was great to work with! He answered all my questions and helped us get to closing quickly! Highly recommend!
Brittany Kiger
Travis was always very informative and courteous of my time. I appreciate how easy the whole team at Keller Williams and USA mortgage made my process of buying a home 🙂