USDA Loans

A USDA (United States Department of Agriculture) loan is a zero down payment mortgage for home buyers in eligible towns and rural areas. They often have lower interest rates compared to other financing options an no private mortgage insurance (PMI).

Requirements for USDA Loan Eligibility

• The property must be in an USDA eligible area
• Can not exceed the household maximum income limit
• The property bust be occupied by the owner, not an investment or rental property
• Property can not be a farm or other income providing
• Borrower can not be suspended or debarred from federal programs
• Minimum credit score of 640

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