Multiple year loan terms available

Low down payment

Various ARM programs

Low Down Payment

The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

Minimum credit score usually 620.

Post-bankruptcy qualifying - 2 years after.

Post-foreclosure qualifying - 3 years after.

Property must be located in eligible area (rural/less populated areas)

Purchase and Refinance loans available for Primary Residences

Refinance loans only available to current USDA mortgage loan holders

Exclusive benefits for military and veterans.

Higher allowable debt-to-income ratios than for many other loans.

Competitive interest rates that are routinely lower than conventional rates.

Flexible financing for unique financial situations

Ideal for self-employed individuals, real estate investors, or those with non-traditional income sources.