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USDA Rural Housing Loans with no down payment? It’s not too good to be true

Perhaps you’re ready to trade city life for something more scenic. Or maybe you’ve always called the countryside home. For homebuyers interested in purchasing in rural and suburban areas, a USDA Rural Housing Loan can provide special benefits.

We’ve found that many buyers simply aren’t aware of this mortgage program available from the U.S. Department of Agriculture. As a result, we see rural and suburban homebuyers who frequently miss out on one of the most often overlooked mortgage assistance programs.

This is what you need to know about USDA Rural Housing Loans:

  •       Borrowers must meet income and credit eligibility requirements.
  •       Qualification for this type of loan may be easier than for other loan types.
  •       Down payment is not required.
  •       High credit score is not needed.
  •       Homes must be purchased in USDA-eligible geographic regions.

After reading the basics about USDA Rural Housing Loans, clients come back to us with one question: “Where can I buy a house?” You can search the USDA map online to find eligible areas, or you can contact one of our loan officers for more information.

Here’s what we hope you remember when considering if a USDA Rural Housing Loan is the right fit: 97 percent of the land in the U.S. is USDA-eligible.1 This comes out to 109 million people (and counting). Many properties in suburban areas, as well as rural areas, are eligible for this type of loan. If you plan on buying outside of the city, this helpful loan program is worth checking into.

Ready to learn more? The USDA Rural Housing Loan may sound farmer- and rancher-friendly, but the scope of this loan program is much broader than many people realize. You don’t have to have an agricultural occupation to qualify. To find out if you qualify, and if you’re house-hunting in a USDA-approved zone, contact one of our loan officers today.

For educational purposes only. Please contact your qualified professional for specific guidance.

Sources are deemed reliable but not guaranteed: 1. “ESTIMATING POTENTIAL CHANGES TO USDA‐RD’S ELIGIBLE AREA DESIGNATIONS.” Housing Assistance Council. September 2011.

Call Cornerstone to Learn More About USDA Loans

910.452.7283
To discuss USDA loans with one of our knowledgeable loan officers, contact Cornerstone today! We’ve earned the trust of homeowners in the Triangle, the Triad, the Outer Banks, Western North Carolina, Virginia Beach, Rehoboth Beach, the Eastern Shore of Maryland, the Eastern Shore of Virginia, and more – Let us earn yours! Cornerstone also offers mortgages in Tennessee, South Carolina, Texas, and Florida. Call today!

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