No Money Down Financing

A Rural Housing Loan is a U.S. Department of Agriculture (USDA) insured home loan that allows you to purchase, build, repair, renovate or relocate a home in a rural area.  If you've never heard of the USDA loan program, you're not alone.  

Eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing.  This program is also known as a USDA Loan or Section 502 Loan.

An attractive feature of a Rural Housing Loan is the option to put no money down when financing as a first-time home buyer or repeat home buyer.  

30-year fixed-rate mortgage is common and USDA rates are among the lowest for any home loan.


  • No down payment required
  • No prepayment penalties to pay
  • You can finance 100% of the home cost
  • Closing costs can be financed in to the loan
  • Funds are available to prepare a site including providing water and sewage facilities
  • Applicants may have an income of up to 115% of the median income for the area
  • The repayment schedule is similar to a traditional loan

Get Started / Questions?

Step 1

  • Review the Residential Loan Application.  The Loan Application provides an overview of all the required information that must be completed for our Mortgage Team to discuss which loan best fits your needs.  Important! To keep your personal information secure, do not email your completed application to us. After you establish a contact, your Mortgage Loan Consultant will guide you through your submission process. (Go To Step 2)

Step 2

  • Find a Mortgage Loan Consultant in your area.  We will answer any questions you may have, discuss your Loan Application and any required forms we will need.  Once you establish a relationship with a Mortgage Loan Consultant, we will work diligently to move you through the loan process, and you will enjoy a single point of contact from application to close.

Step 3

  • View or print the Mortgage Application Checklist and review the list to ensure you have the necessary information and paperwork to begin the loan approval process.   

Current Customers (Support)

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