Home Loan Options
USDA Loans
Backed by the U.S. Department of Agriculture, USDA loans help low-to-moderate income buyers purchase homes in eligible rural and many suburban areas — with no down payment required.
Highlights
What makes this loan a good fit.
100% financing
No down payment required for eligible properties and buyers.
Below-market rates
USDA-backed rates are often lower than conventional financing.
Low mortgage insurance
Annual and upfront guarantee fees are lower than FHA mortgage insurance.
Flexible credit
Approvals possible for borrowers with modest credit histories.
Eligible areas are broader than you think
Many suburbs and small towns qualify — we'll check your target area.
Closing costs can be financed
If the home appraises higher than the purchase price, you can roll costs in.
Best for
Is this the right loan for you?
Every situation is different. Call Erin and we'll walk you through the trade-offs and find the loan that actually fits your goals.
- Buyers in USDA-eligible rural and suburban areas
- Low-to-moderate income households
- Buyers with limited funds for a down payment
- First-time and repeat buyers alike