USDA Loan

USDA loans are a cost-friendly option for those looking to buy a home in rural areas. But don’t let “rural” fool you—approximately 97% of the US is considered rural, meaning you have more location flexibility than you might think.

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Why get a USDA loan?

  • Created for low to moderate-income families
  • No down payment required
  • Credit scores as low as 580 could qualify
  • Build home equity without breaking the bank
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The No-Frills Financing You Need

USDA Video

With real approvals, real numbers, and the power of Octane®, you can get approved for a USDA loan with total clarity, fast—no surprises, no mayhem.

Mortgage Solutions That Move You Forward

No guesswork. Just our top USDA loan options.

USDA Home Purchase Loan

Keep it simple. This straightforward USDA mortgage offers zero down, flexible credit requirements, and competitive interest rates for eligible rural properties.

USDA Refinance Loan

Refinancing for new rates and terms on your USDA loan can help lower your monthly payment or pay off your mortgage faster.

USDA Temporary Buydown

Save on your initial monthly payments with a temporary interest rate buydown. After the Buydown term is over, interest rates will resume as normal.

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Homeownership, Without the Down Payment

USDA loans make it possible to buy in eligible rural and suburban areas with 100% financing, affordable rates, and guidelines designed to support qualified buyers.

A USDA loan is a government-backed mortgage intended for homebuyers in eligible rural areas, often with zero down payment.

Ready to end the mortgage mayhem?

Speed to mortgage starts with a free rate quote. See all your options. Get answers fast. Close with confidence.
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