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Any House

Any Buyer

Any Time





USDA Loans 100% Financing

This loan’s full name is the USDA Rural Development Guaranteed Housing Loan program. Also known as the “Rural House Loan” or “Section 502 Loan”. These loans are insured by the United State Department of Agriculture. Rural home buyers and Suburban home buyers can use it.

Benefits of USDA Loans 100% Financing

  • 100% Financing, meaning no down payment
  • Can finance upfront mortgage insurance
  • Competitive interest rates compared to conventional loans

Eligibility of USDA Loans 100% Financing

  • Home must be located in an area the USDA defines as “Rural” or “Suburban” (Very liberal by definition)
  • Can be 1st Time Home Buyer or Repeat Home Buyer
  • No minimum credit score, but be prepared to submit detailed reasoning on scores less than 640
  • W-2 employment Status and Self Employed Status
  • Home Purchases or Home Refinancing
  • 30 year fixed rate only
  • Residential homes only

InEligible USDA Loans 100% Financing

  • Vacation home
  • Investment property
  • “Cash Out” refinance
  • Working farms

We Can Answer Your Questions Regarding USDA Loans



We Can Answer Your Questions At: 866.866.5274

Home Loan Types