USDA loans

USDA loans are backed by the U.S. Department of Agriculture to help people buy homes in eligible rural and some suburban areas. More places qualify than most people expect, including many communities just outside larger cities.

USDA loans can reduce the cash you need to buy a home, and they can also be used to refinance an existing USDA loan. There are household income limits based on where you live and how many people are in your household, and the home must be your primary residence.

Not sure if an address qualifies? A licensed loan officer can check the property’s eligibility and your household’s income limits with you before you get too far. Eligibility, underwriting and property requirements apply.