USDA / Rural Housing
No down payment needed. Own a home in a great neighborhood outside the city.
Overview
The USDA loan helps people buy homes outside of big cities — without any down payment. It's backed by the U.S. Department of Agriculture.
Many neighborhoods that seem close to the city actually qualify. There are income limits, but lots of families still fit. Rachel can check your area in seconds.
Is this you?
You want to buy a home in a small town or suburb and you don't have a big down payment. This loan was made for you.
Why borrowers love it
No money down
Buy a home without saving a large sum upfront.
Low extra fees
USDA fees are usually lower than other loans.
More areas qualify
Many suburbs and small towns are eligible — Rachel will check yours.
Made for families
Designed to help everyday people afford a home.
How it works
Check if you qualify
Rachel will confirm your area and income both qualify — fast.
Get pre-approved
See how much home you can get with zero down.
Move in!
Rachel handles everything so you can focus on unpacking.
What you'll need
Common questions
Ready to move forward on a USDA / Rural Housing?
Get pre-approved today and find out exactly what you qualify for — I'll be in your corner every step of the way.