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USDA Home Loans

No down payment? No problem! With a USDA loan, you can say goodbye to down payments while enjoying lower interest rates and reduced mortgage insurance. It's the perfect solution for rural buyers ready to own their dream home.

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We Take Homeownership Dreams Beyond City Limits

Why Go With a USDA Home Loan?

Looking for lower interest rates, zero down payment options, flexible credit requirements, and a streamlined approval process? Then you’ll love our USDA rural housing loan options.

Is a USDA Loan Right For You?

A USDA mortgage may be the right fit if:

A modest income makes conventional financing challenging.
Your dream home is located in a rural or suburban area.
The convenience of no down payment appeals to you.
You’re looking for competitive rates, reduced insurance, and long-term savings.
You require flexible credit score requirements.

USDA Home Loan Benefits

Zero Down Payment icon
Zero Down Payment
Achieve homeownership without the burden of a down payment, ensuring accessibility, even with limited savings.
Low Interest Rates icon
Low Interest Rates
USDA home finance loans often feature competitive interest rates, reducing your long-term borrowing costs.
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Reduced Mortgage Insurance
Enjoy lower mortgage insurance premiums, which translates into more affordable monthly payments.
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Flexible Credit Requirements
Known for their leniency with credit scores, USDA guidelines allow borrowers with varying credit histories to qualify.

USDA Housing Program: Eligibility Requirements

Wondering if USDA mortgages are right for you? Let’s explore key eligibility requirements:

  • Legal Status: You should be a U.S. citizen or a legal permanent resident.
  • Credit Score: Typically, a credit score of at least 640 is preferred.
  • Income: USDA loans are tailored for low to moderate-income borrowers with stable earnings.
  • Income Limits: Your household income should generally be below 115% of the area median income.
  • Property Eligibility: The home you're interested in should be in a USDA-designated rural or suburban area.

Getting Started: From Application to Approval

Wondering what to expect when you apply? It all begins with a straightforward application, where we collect details about your income, employment history, and existing debts. Next, we assess this information to evaluate your financial stability and creditworthiness. From here, you’ll be asked to provide additional documentation, such as pay stubs and tax returns.

Rest assured, we're here to assist you at every step, keeping everything seamless, transparent, and stress-free.

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Master Your USDA Mortgage: Mortgage Payment Calculator

In addition to jump-starting your USDA loan application with our checklist, you can take another step forward by using our free mortgage payment calculator. This user-friendly tool considers your loan amount, interest rate, and loan term, making it easier to plan your finances and make informed decisions for your home purchase.

Our Team

Meet the dedicated professionals who will guide you to the doorstep of your dream home. Our team seamlessly blends industry knowledge with personalized customer service to ensure a smooth and supportive homebuying experience. With us, you are more than just a client—you're a valued family member.

Meet the Team
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Here’s Why We Do What We Do

I had a great overall experience with Eagle Home Financial. They were extremely knowledgeable and made the entire mortgage process very quick and easy. Any large purchase can be overwhelming but they were there to promptly answer any and all questions. I would highly recommend Eagle Home to any friends or family.

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Ricky Gundrum
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Why Work With Us?

Fast Closing

Fast Closing

Complete your mortgage process in as little as three weeks for a faster home-buying experience.

Expertise at Every Step

Expertise at Every Step

Receive personalized advice from experienced mortgage experts who understand your needs and treat you like family.

Competitive Rates

Competitive Rates

Gain access to the most competitive rates in the market while lowering your long-term mortgage expenses.

Explore Our Resources

Looking for simple answers about the mortgage process? Our resources will help. Covering everything from applications to credit requirements, closing costs, and rates, you’ll find clear, easy-to-understand answers to common mortgage questions here.


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0% Down. 100% Possible with USDA Loans.

Want to learn more about the advantages of a USDA home loan? Our friendly team is here to answer all of your questions and provide a seamless, stress-free lending experience. Reach out or apply now!
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