Zero-down financing for eligible borrowers in rural and suburban areas.
USDA loans are guaranteed by the U.S. Department of Agriculture and offer 100% financing (no down payment) for eligible borrowers in qualifying rural and suburban areas. The income and geographic requirements may surprise you — many suburban communities qualify.
USDA loans are one of the most underused mortgage programs available. Ask Rose if your target area and income qualify.
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USDA loans allow 100% financing — no down payment required — making them one of the few true zero-down options available to non-veterans.
USDA-eligible areas include rural communities and many suburban ZIP codes. Rose can instantly check if any property you're considering qualifies.
USDA loans have household income limits — typically 115% of the area median income. Rose will calculate whether you qualify.
USDA loans are for owner-occupied primary residences. Investment properties and vacation homes do not qualify.
Like FHA, USDA loans are government-backed, allowing lenders to offer competitive rates even to borrowers with lower down payments.
USDA annual mortgage insurance fees are lower than FHA MIP, making the ongoing cost competitive for eligible borrowers.
Contact Rose today for a free, no-obligation consultation.