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USDA Loans

USDA Guaranteed Rural Housing

A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called “RD Loans,” offer 100% financing options on eligible rural properties. To see if a property qualifies, visit the USDA Income and Property Eligibility Site or contact your local DRMC Loan Expert.

  • Term available: 30-year fixed
  • 100% financing (no down payment)
  • Single family residence
  • Primary residence only
  • Grants and gifts allowed from acceptable sources
  • Flexible or no credit scores
  • 3 years post-bankruptcy
  • 4 years post-foreclosure
  • Common sense underwriting
  • Seller concessions up to 6%
  • Maximum loan amount $417,000
  • No acreage limitations
  • Purchase or refinance