WE HAVE A MORTGAGE SOLUTION FOR YOUR UNIQUE SITUATION
HOMEOWNERSHIP IS WITHIN YOUR REACH.
Goal of USDA No Money Down Home Loans
USDA Loans, also called RHS loans, are loans guaranteed or made by the U.S. Department of Agriculture Rural Housing Service (RHS).
USDA No Money Down Home Loans help people living in small towns or rural areas achieve homeownership. The USDA Guaranteed Home Loan program offers flexible credit guidelines, competitive interest rates, and low monthly mortgage insurance rates.
A USDA Loan is a “No Down Payment Mortgage” meaning you put nothing down at close.
You must be a U.S. Citizen, U.S. non-citizen national or Qualified Alien.
You must agree to occupy the residence as your primary residence.
You must have adequate and dependable income.
Your annual household income cannot exceed the program limits. The average annual limit for most areas of Ohio, Indiana, Kentucky, and Florida is approximately $91,900 (family of 1-4) and $121,300 (family of 5-8).
You must not have been debarred from participating in federal programs.