USDA Loans

USDA loans are an excellent option for homebuyers who prefer to live in a rural setting. This program, which is administered by the United States Department of Agriculture, assists approved lenders in providing low- and moderate-income households the chance to own adequate, decent and safe dwellings as their primary residence in eligible rural areas.

Also referred to as farm loans, USDA loans are guaranteed by the government and provide mortgage insurance to lenders to protect against potential financial loss.

How To Qualify For A USDA Loan

  • Applicants must meet income eligibility in which household income does not exceed 115% of median household income.
  • Applicants must agree to occupy the home as their primary residence.
  • Property must be located within an eligible rural area (click here to see if the property you’re considering is eligible).
  • One year of employment history if not self-employed. Two years of employment history if the applicant is self-employed.

Is A USDA Loan Right For Me?

With no required down payment, USDA loans are an excellent choice for those who prefer living in rural areas. When considering mortgage options, working with an experienced lender can help borrowers make the right choice for them.  Contact us today to apply.

How To Apply For An USDA Loan

USDA loans afford borrowers in rural areas the opportunity to own their own homes. Our team at Better Lending has the necessary experience to guide you through the mortgage process and find the type of loan that is right for you. Contact us today to determine whether a farm loan or another type of loan is the right choice.

The Advantages Of USDA Loans

  • Down payment not required.
  • Eligible borrowers may purchase existing homes, which may include costs to rehabilitate or relocate, or build new.
  • Program is not limited to first-time buyers.
  • By providing affordable homeownership, this program promotes prosperity that improves the quality of life in rural areas.

This offer is made by Better Lending who is not an agency of the federal government, nor affiliated with your current lender. The loan information used in connection with this offer was derived from the credit bureaus (Experian, Trans Union and Equifax). This is not a commitment to make a loan.

*This is not a guaranteed offer, but an advertisement to lend. To qualify you will need to provide criteria including an acceptable property appraisal, and sufficient property collateral, as well as verification of personal income, sufficient credit history and clean property title. Not all programs are applicable to all borrowers and rates are subject to change at any time based on market conditions and borrower eligibility. This is not a commitment to lend. Nothing herein shall be construed as an offer to lend nor a commitment to lend, the above statements are examples of possible scenarios.

** Better Lending is not a government agency or affiliated with a government agency.

***All above interest rate scenarios assume a rate and term of refinance single family detached, owner-occupied residence with, credit score above 740, $300,000 loan amount, Loan-to-value ratio of 75 percent or less. $1495.00 for processing and underwriting fees, two discount points as of notice date, and the establishment of an escrow account. All the above rates and savings estimated are examples consistent with the prior description.

ⁱ Interest rate and payment scenario listed contains closing costs

⁺ Up to $500 credit applied as a lender credit towards appraisal at time of closing


Contact Us Today

Contact us today to learn more about why so many homeowners have trusted us to be their lender of choice for Conventional loans.

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