USDA Loans
Affordable Financing in Eligible Rural and Suburban Communities
At Choice Mortgage Group, we believe homeownership should be within reach—no matter where you choose to live. The USDA Home Loan is a government-backed mortgage designed to help low- to moderate-income households purchase, build, or improve a home in eligible rural and suburban areas. With no down payment required and flexible guidelines, this loan program offers a simplified path to homeownership while delivering outstanding service that exceeds expectations.
What Is a USDA Loan?
USDA Loans—officially known as USDA Rural Development Guaranteed Housing Loans—offer up to 100% financing for eligible primary residences in USDA-approved locations. Whether you’re purchasing your first home or relocating to a quiet community outside the city, USDA loans can open the door to more possibilities with less upfront cost.
What are the benefits for
USDA loans?
No Down Payment Required
– Finance 100% of the purchase price
Seller Concessions Allowed
– Up to 6% can be used toward closing costs
Closing Costs May Be Financed
– If the appraised value allows
Gift Funds Accepted
– For all or part of your closing costs
No First-Time Buyer Requirement
– Available for first-time and repeat buyers
Lower Monthly Guarantee Fee
– Keeps payments more affordable than traditional mortgage insurance
Fixed-Rate Stability
– 30-year fixed terms available
Eligible Property Types
– Existing homes, new construction, modular homes, some condos, and more
What are the requirements
for USDA loans?
- The home must be located in a USDA-eligible area
- Your household income must fall within the USDA income limits (typically capped at 115% of the area median income)
- Property must be a primary residence
- Borrowers must be U.S. citizens, nationals, or qualified non-citizens
- No ownership of other residential property at the time of closing (with some exceptions—contact us to learn more)
- Credit and financial history must show ability and willingness to repay
Why Choice
Mortgage Group?
We’re homeowners too, and we know the value of a loan process that is both personalized and stress-free. Our USDA loan experts simplify every step of the journey, with tailored mortgage options, white glove service, and an unmatched commitment to helping you succeed. We’re here to support your goals—whether you’re buying your first home, building your dream home, or starting fresh in a new area.
Start Your Journey
We’ve made applying for a USDA loan easy.
Let’s make your homeownership dream a reality—with empathy, experience, and a mortgage that fits your life.