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If the home being purchased is located in a USDA eligible area and the household income meets the requirements, chances are you are eligible for a USDA loan.

USDA Home Loans

How does this work?

USDA Loans Overview

A USDA loan is a home loan insured by the United States Department of Agriculture. USDA Loans offer affordable 30 year terms with 100% financing. That means no money down!

This site is used to inform, determine eligibility and to apply for the USDA home loan programs. In order to be eligible for many USDA loans, household income must meet certain guidelines. Also, the home to be purchased must be located in an eligible rural area as defined by the USDA. You can research all this information from this site along with links to the USDA homepage to check qualifying household income and property eligibility tester.

Applying for a USDA home loan is easy and secure you can fill out a quick online application or call to speak to a USDA loan specialist to see if you qualify for the program. USDA Loans .Net  has all the information you need to know. Contact a USDA Loans specialist and apply for a USDA loan today.

Do you qualify?

USDA Loan Qualifications

To be eligible for a USDA Loan the home being purchased has to be located in an area deemed eligible by the USDA’s Rural Development department. Here is the link to the USDA Rural Development location eligibility checker page USDA Map

Per USDA’s Rural Development guidelines there are household income caps for the program. RD has segregated these restrictions per county. The income caps include total household income. Not just the persons on the loan but any person that will be residing in the residence. The average income cap for total household income is about 78,200 a year for a one to four person household.

Once you have more than 5 persons in the household the income limit goes up dramatically. Areas with higher median area income will have higher limits. Be sure to call us to verify if your income meets the guidelines for the USDA loans program in your area.

USDA Home Loan Features

No money down

For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!

Great interest rates

USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

Need a 620 credit score

USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.

Affordable 30 year terms

USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.

Roll in your closing costs

A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.

Apply today

Start your USDA Loan now! It only takes 30 seconds to see if you qualify.

Additional USDA Loan Information

What is the USDA Loan process?

USDA Loans Underwriting Approval

To be approved for a USDA loan the borrower or borrowers must meet credit requirements. Your USDA loan application can receive an underwriting approval down to a 620 credit score, although it is much easier to get approved over a 640. Applicants must demonstrate repayment ability for the loan along with a job history of at least two years. If you have just graduated from school the two year employment history can be waived. If you require more in depth explanation please go to our USDA loans Guideline page.

If you are in the market to purchase a home you should apply for or research a USDA loan to determine if you are eligible. One of our USDA loan specialist will be more than happy to see if you qualify.

What are USDA Loans insured by?

USDA Loans are Insured

USDA Loans is your pathway to a USDA lending company. We provide USDA home loans in rural and suburban areas in the United States and its territories. We have the USDA loans guidelines and USDA loan income eligibility information for you to confidently apply for rural development loans on our website.

To apply for a USDA Loan simply fill out a quick loan application or call us to apply over the phone at 1-888-807-2353.

USDALoans.Net is not a government agency. You can view our privacy policy here Privacy Policy. Feel free to contact as with any questions here Contact Us.