USDA Loans
Designed for rural and suburban homebuyers with low to moderate income, offering zero down payment options.
United States Department of Agriculture (USDA) loans are designed to help low- to moderate-income homebuyers purchase homes in rural and suburban areas. These government-backed loans require no down payment, making them one of the most affordable mortgage options. USDA loans offer low interest rates and reduced mortgage insurance costs compared to conventional loans. Eligibility is based on location and income level, with the goal of promoting homeownership in less densely populated areas. These loans can be used for purchasing a primary residence, making home improvements, or refinancing an existing USDA loan.