USDA Rural Housing Loan

Guaranteed by the U.S. Department of Agriculture, this loan is available to those buying or refinancing a property in an eligible rural area (as determined by USDA). No down payment is required and this loan features flexible income and credit qualifications. The loan also requires a borrowers’ household income to be below certain income thresholds as determined by USDA.

Features of this Loan

    • No down payment required
    • Down payment and closing and prepaid costs may be paid funded by a gift from a relative, friend or a qualified non-profit grant
    • Lower annual fee as compared to private mortgage insurance (PMI)
    • May qualify for a streamlined refinance with no appraisal required and a lower guarantee fee

For Borrowers with the Following Consideration Points

    • Little savings or little equity
    • Less than perfect credit
    • Low to moderate income (per USDA’s income thresholds)
    • Currently have a USDA Loan and wish to refinance

Contact a Mortgage Advisor online or call us at 717.249.7500.

“ Thank you all!...for making it possible for me to own my very own home. The hard work you did was awesome. I gave my neighbor your business card,… ”

Julie O. of Mount Holly Springs, PA

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