USDA Home Loans

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What is a USDA Home Loan?

Growing in popularity, USDA home loans offer incredible benefits to borrowers looking to buy homes in rural areas. If you live in a small town or rural area situated in a location approved by USDA Rural Development, you may be able to purchase with as low as 0% down payment.

USDA Loan Income Limits

The USDA Loan Guarantee is meant for low to moderate income families, and therefore has income limits based on family size.
Income limits differ by area. To check maximum income limits in your area, talk with an expert Mortgage Consultant.

USDA Property Eligibility

In order to qualify for the USDA loan, your property must be in an eligible area.
To learn which areas are eligible near you, call us to speak with a knowledgeable Mortgage Consultant in your area.

USDA Loan Limits

Home loan limits can vary based on the area. They will reflect the market in the surrounding area, which can be higher in real estate markets like California and Hawaii and lower in parts of rural America.
We have specialized Mortgage Consultants who understand the markets in every area, including yours. Click here to find out the possible loan limits for you today!

USDA Loan Credit Score Requirements

This program allows FICO scores as low as 620. If you are unsure of your FICO score, give us a call.

What Are Some Benefits of a USDA Home Loan?

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0% down payment

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FICO scores as low as 620

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30 year fixed rate mortgages

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Purchase and refinance options available

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And much more!

Contact an On Q Mortgage Consultant near you today to see if a USDA home loan is right for you!

Loan approval is subject to applicant’s qualification for a loan program. On Q Financial does not guarantee that each applicant will receive a loan. On Q Financial, Inc. is an Equal Housing Lender. NMLS 5645

See if a USDA Home Loan is right for you

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