USDA Loan Programs That Make Homeownership Possible

As one of America's leading USDA lenders, we specialize in transforming homeownership dreams into reality through our comprehensive in-house USDA loan programs.

USDA Construction Loans

Build your perfect home with zero down:

• One-time and two-time close construction loans

• Land purchase and site development included

• Work with our 1,350+ registered builders

• Lock rates before breaking ground

• Expert draw management and builder coordination

USDA Purchase Loans

Buy your dream home with 100% financing:

• Zero down payment required

• Lower mortgage insurance than FHA

• Competitive fixed rates

• Flexible credit requirements

• Seller contributions allowed

• Manufactured home expertise

USDA Refinance Programs

Improve your existing loan:

• Streamline Assist with no appraisal needed

• Rate reduction opportunities

• Lower your monthly payments

• Portfolio and consumer loan options for cash-out needs

• Debt consolidation solutions

Property Types We Finance

Specialized experience with:

• Traditional Single-Family Homes

• Modern Manufactured & Modular Homes

• Custom Barndominiums

• 3D Printed Houses

• Foam Homes

• Limited Acerage Farm Properties

• Renovation Projects

• Many other styles and options

Beyond USDA Guidelines?

Our portfolio lending offers:

• Alternative qualification options

• Unique property considerations

• Flexible income documentation

• Creative financing solutions

• Competitive rates

Backed by 25+ years of USDA expertise and an A+ rated FDIC bank, we deliver personalized rural lending solutions nationwide. From simple purchases to complex construction projects, our experienced team will guide you to the right USDA program for your needs.

USDA Loan Eligibility Requirements for 2025

Many homebuyers don't realize they qualify for USDA loans. With 97% of U.S. land eligible and flexible requirements, USDA financing makes homeownership more accessible than ever.

Who Can Get a USDA Loan in 2025?

Qualification is straightforward:

• Minimum credit score of 640

• Debt-to-income ratio up to 44%

• Must be primary residence

• U.S. citizens, permanent residents, and qualified foreign nationals

• Income within USDA limits (varies by location)

• Property in USDA-eligible area

Property Eligibility Guidelines

Your dream home must:

• Be in a USDA-approved location (most suburban and rural areas qualify)

• Meet USDA safety and livability standards

• Be owner-occupied

• Include all standard utilities

• Have proper access from a public or private road

Income & Employment Requirements

• Stable income for past 24 months

• Household income within USDA limits

• Multiple income sources accepted

• Self-employed borrowers welcome

• Part-time income can qualify

USDA Loan Insurance Costs: Lower Fees, More Affordable Homeownership

Great news for USDA homebuyers in 2025: The current USDA mortgage insurance rates remain at historic lows, making rural homeownership more affordable than ever. Understanding these costs helps you see why USDA loans often offer significant savings compared to FHA and conventional options.

Current USDA Mortgage Insurance Structure Since USDA loans offer 100% financing, two types of mortgage insurance apply:

• Upfront Guarantee Fee: 1.00% of loan amount (can be financed)

• Annual Fee: 0.35% of loan amount (paid monthly)

Why These Rates Matter These rates represent substantial savings from historical highs:

• Upfront fee reduced from 2.75% to 1.00%

• Annual fee lowered from 0.50% to 0.35%

• Current rates confirmed through 2025 fiscal year

Cost Savings Example: On a $300,000 USDA loan:

• Upfront fee: $3,000 (vs. $8,250 at old rate)

• Monthly fee: approximately $87.50

• Total first-year savings vs. old rates: $5,700+

Historical Context

• Pre-2016: Higher rates (2.75% upfront, 0.50% annual)

• 2016-Present: Reduced rates maintained

• 2025 Update: Rates remain favorable for borrowers

Compare to FHA Costs:

• USDA upfront fee: 1.00%

• FHA upfront fee: 1.75%

• USDA annual fee: 0.35%

• FHA annual fee: 0.55%

The USDA reviews these fees annually based on program performance. Our team monitors any changes to ensure you always receive the most current information and optimal savings on your rural home financing.

Comprehensive Lending Solutions For Every Unique Situation

As a full-service mortgage bank, we offer an extensive portfolio of loan programs designed to meet diverse homeownership needs. While USDA loans are our specialty, our lending capabilities extend beyond rural properties.

Specialized Professional Programs:

• Physician Mortgage Loans (Doctors, Veterinarians, Dentists, and more)

• First Responder Home Loans

• International Borrower Solutions (Foreign National, ITIN)

• Construction and Renovation Financing

Innovative Financing Options:

• Bridge Loans for Transitioning Homeowners

• Down Payment Assistance Programs

• Manufactured and Modular Home Specialists

• New Construction From Ground Up

• Extensive Renovation Projects

Our approach combines deep lending expertise with personalized service. Each borrower receives a customized solution backed by our team's comprehensive market knowledge and commitment to excellence. Whether you're seeking traditional financing or need a more creative approach, our experienced bankers will craft a solution tailored to your specific situation.