USDA Home Loans

USDA Financing Solutions

Call today for a FREE rate quote and consultation. – (910) 256-8999

We offer competitive pricing on $0 down USDA Rural Housing Loans, a type of home financing program that helps low- to moderate-income borrowers achieve homeownership while simultaneously fostering development in less-populated communities. These government-backed loans feature up to 100% financing with no monthly mortgage insurance premium, making them one of the more affordable home loan options in today’s marketplace.

Backed by the United States Department of Agriculture (USDA), the USDA Rural Housing Loan is available to borrowers who meet certain income requirements. Geared toward low- or moderate-income households, it is possible to earn too much to qualify for this loan. However, if you do qualify based on your income, credit score and other factors, you can use a USDA home loan to buy a home with up to 100% LTV—in other words, no down payment necessary.


Another important aspect of the USDA Rural Housing Loan is that the property being financed must be located in a USDA-eligible area. Since one of the program’s goals is to help increase homeownership in less developed parts of the country, USDA financing is only available to homes in certain USDA-approved zones. If you already have a home in mind, you can check to see if it is eligible for USDA financing by looking it up on the USDA Property Eligibility Map on the USDA’s official website.

Talk to one of our loan specialists to learn more about USDA home loan eligibility and receive a free rate quote: (910) 256-8999

Why Consider a USDA Mortgage?

  • 100% financing available.
  • A single, upfront mortgage insurance premium required, which can be financed into the loan itself; no monthly mortgage insurance premium.
  • 30 year, fixed rate terms. This ensures lower, predictable payments and a rate that will never increase.
  • Also available for refinancing; borrowers with existing USDA loans may take advantage of USDA Streamline Refinancing. Speak with one of our loan professionals for details.

Call us today at (910) 256-8999 for a free quote.

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