No Money Down Financing

Longing to purchase a home but need 100% financing? Want to renovate a house in a suburban or rural area?  You might qualify for a Rural Housing Loan. A Rural Housing Loan is insured by the U.S. Department of Agriculture (USDA), and it  allows you to purchase, build, repair, renovate or relocate a home in a rural area.  

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

A 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
  • Finance 100% of the home cost
  • Closing costs can be financed in 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

Get Started

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 you 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 Clients (Support)

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