USDA Rural Development Loans For 2025: Build, Buy, Refi, or Renovate Up To 100% In All 50 States
*Ask Us How To Qualify For Up To $50,000 Extra Before Or After Closing!
Revolutionary USDA Rural Home Financing Nationwide, Lock-In Your Dream Home With Zero Down - From Traditional to Modern
One of America's premier USDA Rural Development Lenders for over 25 years, our FDIC-insured bank has led the industry with exclusive benefits and 50-state lending power that other lenders can't match.
If manufactured home styles interest you, please read our *update for changes effective March 4, 2025.
USDA Nationwide Exclusive Advantages & 5-Star Service
Up To *$50,000 Additional Financing Available
Access before closing to boost your buying power
Or after closing for renovations, furniture, buy an ADU, or any purpose
USDA doesn’t offer cash-out loans; our program helps bridge the gap
Up To *30% Real Estate Commission Rebate
Available in 42 states through our Realtor Network
This could mean hundreds to thousands to offset costs or use towards rate buy-down
We make no fee for providing this option to you
Direct FDIC Mortgage Bank operating in all 50 states, not a broker relying on 3rd parties
7-day-a-week support from Top Rated® Mortgage Bankers
After-hours communication via text, call, or email
Fast approvals and closings
Expert coordination with your entire home-buying team
100% financing options beyond USDA guidelines & if USDA isn’t a fit, we have programs other lenders can't offer
Financing Standard & Unique USDA Property Styles
Purchase loans for traditional single-family homes, unique properties, and farmhouses
Modern Manufactured & Modular Homes with considerable changes in 2025 for existing properties
Innovative 3D Printed Houses, Foam Home, & Custom Barndominiums with many other property types
New Construction to buy land and build or place new from factory dealer
Ask us about our over 1350 registered home builders and factory direct dealers
Don't settle for less. Partner with USDA Nationwide and experience the future of rural home financing today.
Apply now and discover why we're one of America's most trusted rural home lenders.
Frequently Asked Questions
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Eligible properties must be in USDA-designated rural areas, which include many suburban locations. Most areas outside major cities qualify, and you might be surprised – even some properties just outside city limits may be eligible. Check your address instantly with our eligibility tool.
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No! USDA loans offer 100% financing with zero down payment required. This is a major advantage over FHA loans (3.5% down) and conventional loans (5-20% down), making homeownership more accessible.
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We accept credit scores as low as 640 for USDA loans. While higher scores may qualify you for better rates, we look at your complete financial picture, not just credit scores. Ask about our flexible qualification options.
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USDA income limits vary by location and household size, typically up to 115% of the median income for your area. Important: All household income counts, not just the borrower's. Contact us to check your specific situation.
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We offer same-day pre-qualifications and can often provide fully underwritten pre-approvals within 48 hours. This gives you a significant advantage when making offers, as sellers know your financing is solid.
As Seen In
5 Star USDA Lender Reviews That WOW!
"Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this Loan completed. And I had many doubts along the way, because I'd seen so many Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction." ~ Tom K. Licensed Realtor
Simplifying USDA Home Loans With Honest Guidance
Your interests come first - it's that simple. If another loan program better suits your needs, we'll tell you right away. As your trusted mortgage advisor, we look beyond rates and numbers to understand your unique situation and goals.
Our proven expertise in USDA rural home loans ensures you get the right financing solution delivered with transparency and care. We're here to transform your homeownership dreams into reality while giving you complete confidence in every decision.
Unlock Your USDA Home Buying Power Today
Find Out How Much You Can Afford.
Experience the confidence of knowing exactly what you can afford. Our nationally recognized team of mortgage experts, backed by an A+ rated FDIC bank, specializes in maximizing your loan potential. With decades of proven success and billions in closed loans, we've perfected the art of efficient, stress-free approvals. Get a fully underwritten pre-approval that gives you the edge in today's market. Plus, enjoy our refreshingly honest approach: zero spam, zero pressure—just straightforward guidance and support throughout your journey to homeownership.
Explore some Of Our Other USDA Educational Articles
USDA Financing Solutions Others Can’t Match
When traditional lenders say "no," we find a way to say "yes." As specialists in complex lending, we offer innovative financing solutions for unique situations. Our expert team tackles challenging scenarios daily - from healthcare professional programs to first responder mortgages, renovation loans, and international borrower solutions.
With our comprehensive array of loan products and deep lending expertise, we've helped thousands of borrowers overcome common financing roadblocks.
Our seasoned bankers pride themselves on transforming challenging loan scenarios into success stories. Whether you're facing unusual income situations, need specialized program access, or seek creative financing solutions, we have the experience and dedication to guide you home. Connect with our team to explore your options.