Are you looking for a modest home with a little room to breathe? If you want to buy in a suburban or rural area with no money down, a USDA home loan might be the right mortgage loan for you.

  • 100% financing
  • Build or buy an existing home
  • For low- and moderate-income people

Created to give low- and moderate-income rural borrowers a financial boost, USDA home loans are backed by the U.S. Department of Agriculture.

And the best part? They often require no down payment at all.

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USDA home loans are mortgages for low- and moderate-income rural and suburban single-family homebuyers. You don't need a down payment or perfect credit to get a USDA home loan.

Every borrower is different. Contact a loan specialist from Planet today to learn how to qualify for a USDA loan and receive a custom home loan quote.

Call 888-966-9044 or apply online now!

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What are the USDA home loan requirements? Who can apply?

To use a USDA home loan, you must meet income requirements and buy in a qualified area. The income limits change from place to place. The locations include rural, exurban, and suburban areas that used to be rural.

If you meet the income limits and want to buy and live in a home in an eligible area as your main (primary) residence, you can apply today!

Manufactured homes are also eligible for USDA loans.

We can quickly check to see if you meet the income guidelines and show you locations that qualify. Give us a call at 888-966-9044 and let’s talk about your options.

What homes are eligible and meet USDA home loan qualifications?

Areas and addresses that qualify for USDA home loans change. Speaking to a Planet loan specialist is the best way to make sure you’re in the right spot: 888-966-9044.

Can first-time homebuyers apply for a USDA home loan?

Absolutely. We’d be happy to help!

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Is there a down payment requirement for a USDA loan?

No, USDA rural mortgage loans do not require a down payment to be made when buying a home.

What credit score do I need to get a USDA home loan?

You can use a USDA home loan with a surprisingly low credit score. Have credit dings? We understand. Each borrower’s situation is unique so check with us to find out how the USDA credit score rule-of-thumb applies in your case.

What are USDA home loan interest rates right now?

Rates change every day and sometimes every hour. We work hard to bring you the lowest possible rates. Call us at 888-966-9044 or ask us for a quote to find out more about how you can save with Planet.

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