For those looking to plant roots outside of the city and embrace a country lifestyle, a USDA loan can provide 100% financing (thanks to the U.S. Department of Agriculture) and some of the most flexible terms to boot.

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  • 0% down payment
  • Credit scores as low as 580 may be accepted
  • Low- to moderate-income households may qualify
  • Available for rural properties only
  • Available for US citizens, non-citizen US nationals, and qualified permanent resident aliens

When country life calls, USDA loans answer.

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Pro tip: USDA loans are a viable option for more than purchasing land or building a home. USDA loans can also be used for mobile-home relocations and partial to complete rehabilitations for those who qualify.

Related home loans.

Great news. With a USDA loan, you've got options. Here's a look at what's possible.

USDA Purchase

Fresh air and affordable financing.

Put 0% down on a home in an eligible rural area with a USDA loan. Backed by the U.S. Department of Agriculture, USDA loans are for low to moderate income households. You could get approved with credit scores as low as 580.

USDA Refinance

Wrangle up your refi.

Refinance your mortgage to a USDA loan to enjoy a new rate and term in eligible rural areas. If you’re refinancing a current USDA loan, you can speed up the process with less paperwork in a streamline USDA refi.

USDA Rate Protect

Lock your rates now, harvest them later.

Are you planning to take out a USDA loan, but haven’t settled on the right rural home for you? With USDA Rate Protect, you can lock in your mortgage interest rates for up to 90 days while you wrap up your home search.

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Make this loan yours.