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

rural housing

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 at 717-249.7500.

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