An United States Department of Agriculture loan (also called a Rural Development loan) is a government insured home loan that allows you to purchase a home with NO money down. USDA home loans offer 100% financing to qualified buyers, and allow for all closing costs to be paid for by the seller.  USDA offers some of the lowest rates of any loan type.

There are qualification restrictions in order to obtain a USDA/RD loan.  These restrictions include: income level of the buyer, location of the property, the buyer’s credit worthiness, and if any additional property is owned.  At US Home Mortgage, our experts can easily identify whether you are eligible for this program.