100% USDA Financing
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Why rent when you can own? The USDA 100% mortgage allows you to buy a home with No Money Down!!!

Why rent when you can own?

Finally! After several years of decreasing values, Real Estate prices have shown steady increases throughout the entire country. NOW is the time to be buying a home of your own and you can do it with No Money Down. If you qualify, you can buy with a 100% home loan available from the USDA. ( United States Dept. of Agriculture). The closing costs can be paid for by the seller, the lender, or another third party. This mens that you may be able to buy a new house with absolutely no money out of your pocket! 

 In order to qualify, you need a minimum credit score of 640, with no outstanding judgments, and your total household income cannot exceed published guidelines for the County in which you want to buy. The property you want to purchase must be located in a "USDA Eligible" area.

To find out if a property that you are interested is in a "USDA Eligible area, click on the following link, click "Accept", and enter the property address.


check property eligibility here


To find out if your income is within the guidelines, click on the following link and find your State and County, and complete the short form.


check income eligibility here


Compare this loan to FHA

The USDA 100% purchase program is a better alternative than an FHA mortgage. The interest rates are just as good and the monthly PMI payment is about 1/4th of the monthly PMI on an FHA mortgage. This saves you money and allows you to qualify for a larger loan! Additionally, you can keep your down payment money in the bank. As a new homeowner, its a good feeling to have some money in the bank!


1) To be pre-approved, call (866) 577-2177 or click on the "Apply Online" button on the top left of this page.

We have associates who are licensed in the following states: CA, DE, GA, ID, IN, IA, KY, LA, MD, MA, MI, NH, NC, ND, NJ, PA, RI, SD, UT, VA, WA, VT, AK, KS, TN, & NE

Questions answered LIVE at (866) 577-2177.



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