What is a USDA home loan?

Did you know that 97% of the country’s territory may qualify for this loan? Learn how USDA loans benefit rural areas by giving more families the opportunity to own a home. Let’s get this small-town throw down started!

2.625% Rate
3.345%APR1

3.250% Rate
3.731%APR1

3.750% Rate
4.188%APR1

4.000% Rate
4.333%APR1

3.625% Rate
4.064%APR1

3.250% Rate
3.948%APR1

3.000% Rate
3.945%APR1

3.500% Rate
4.536%APR1

3.625% Rate
3.936%APR1

3.625% Rate
4.689%APR1

3.625% Rate
3.825%APR1

3.625% Rate
3.912%APR1

Get Your Free Quote Rates displayed are subject to change 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures 1vLoan Assumptions & Disclosures

How do I get a USDA home loan?

The United States Department of Agriculture (USDA) designed USDA home loans to help improve the economy and quality of life in rural America. The program is intended to provide support for rural settings by encouraging mortgage lending through banks and community-managed lending pools. Be a part of the greater community when you invest in a rural property. Dreaming of a home in rural America? Want to get into your home with low upfront costs? Contact a mortgage advisor at 1-844-77-vLoan to see if you qualify. You can always compare your loan options with a free rate quote before you start.

Icon red gov 3dc850b3882ee9d58dbf906a210531e10e227c45f9d98d649eb11dd51bdf852a

Benefits of the USDA:

Icon blue wheat 45dfecc2a6602adf099e344ce7b09a74b61c6a715df92c2459b626bf8e75feb9

The USDA is committed to helping homeowners like you improve the economy and quality of life in rural America. Be a part of something bigger.

Icon prod down ab1a828d1e7c74d58e54fc93ecad8d2ccd007e7f682c87ff8d6d3c741fcd3063

USDA loans often have lower mortgages rates, compared to FHA loans.

Icon orange money 08511dbf6c6696cf90655e04ee69dc04fe4e85916cd410144fb6c0bc47f1cb6f

Allows no or low down payments, saving you a barn full of cash.

Icon zero down b6f8b7fe5dabd0a9346312f9ff3b1d21766c6d30f9f8bfb66a008b9a40637f3d

Potential for no down payment.

Let’s dig a little deeper – who is eligible for the USDA home loan:

It’s a small-town throw down! Do you think the USDA home loan could be the right one for you? Let’s see if you qualify:

  • Your household income cannot exceed a certain amount the USDA sets. This varies by county and state, but we will check to see if you’re eligible.
  • You’re interested in living in a rural area.
  • Your potential home is located in a USDA eligible area. Not sure how to find out? We will check for you!
  • You may be able to finance the cost of home repairs and improvements to the loan at the time of closing.
  • Still not sure if you qualify? Call a mortgage advisor today at 1-844-77-vLoan to help match you up with your perfect fit.
Icon question 9018dfa9397433f81f2509923ea612c4785f41307673c43bd28a17d70a071f2a
Icon red check ec1625aa43ef9d61ffd2b571a93d444b6160dcfa2cb40437e672ce47634c0080

Requirements and facts for the USDA home loan:

  • Like mentioned above, your home must be in a rural, USDA-eligible area. We will check for you if you’re unsure about this.
  • Your household income must meet certain guidelines and cannot exceed a certain amount.
  • You can prepay your mortgage without penalties.

The nitty-gritty about USDA home loans:

  • If this is your first home purchase, some costs of eligible home repairs and improvements may be added to your loan at the time of closing. This helps keep your upfront costs low.
  • USDA home loans are available as 30-year fixed-rate mortgages and if rates come down, there is a USDA Streamline Refinance program available to make it easier to get a lower rate on your existing USDA mortgage.
  • USDA loans don’t have a loan size limitation. Seriously, no limit! But your maximum loan amount does depend on several factors including your debt-to-income ratio, credit score, assets and income.
Icon step one lg 22afe5d1ae0d7c01ef87ddeaea4250fe4546b16a830587860a1c0271e7e299d3

Your dream of small-town living can be fulfilled through a USDA loan with vLoan! We can’t wait to help move you on in. Let’s get this small-town throw down started with a free online rate quote or give us a call at 1-844-77-vLoan.

A USDA Loan is my perfect fit! Let’s get this house-warming party started!

The USDA could be the one but I want to compare my options.