USDA Home Loans

Start Your Journey to Rural Homeownership with USDA Loans

Affordable financing for rural and suburban homeownership, assisting in low or no down payment options

Start Your Approval
Home Loan Rate of Interest Refinance shape

100% Financing

Secure your dream home with USDA mortgage loans guiding in full financing, requiring no down payment for eligible properties.

Home Loan Rate of Interest Refinance shape

Low Fixed Interest Rates

Benefit from competitive and stable interest rates, ensuring affordability throughout your loan term.

No Private Mortgage Insurance (PMI)

Does not require PMI, reducing your monthly expenses and making homeownership more cost-effective.

Rural homeownership is made easy with our USDA Loans. Low rates, zero down

Why HLRI for USDA Home Loans?

  • Affordable home loans


  • No down payment required


  • Flexible qualification criteria


  • Seller contributions to assist with covering closing costs.


Easy Home Loan Options for Every Individual’s Needs

Calculate Your Eligibility for an VA Home Loan in the United States

Streamline your mortgage planning process with a convenient VA mortgage calculator, giving you control over loan amount and terms.

Get pre-qualified now

Eligibility Checklist for Your USDA Home Loan Application

  • Ensure the property is in an eligible USDA rural area.

  • Verify that your household income aligns with USDA's loan limits for your area.

  • Maintain a satisfactory credit score, typically above 640.

  • Demonstrate a stable employment history or income source.

  • Keep your debt-to-income ratio at 41% or lower.

  • Be prepared for a low or zero down payment requirement.

  • Ensure the property meets USDA's minimum standards.

  • Must be a U.S. citizen or permanent resident.

USDA Loan Requirements to Keep at Your Fingertips

  1. Proof of Income

    • Pay stubs for the last 30 days.
    • W-2 forms for the past two years.
    • Federal tax returns for the past two years, including all schedules.
    • If self-employed, additional documentation such as profit and loss statements and business tax returns may be required.

  2. Verification of the borrower's current employment, including contact information for the employer.

  3. Recent bank statements for all accounts, including savings and checking, for the past two to three months.

  4. A credit report is typically pulled to assess the borrower's credit history.

  5. Birth certificate, passport, or other acceptable documents to confirm citizenship or eligible non-citizen status.

  6. Documents confirming the borrower's current address, such as utility bills or a driver's license.

Trustpilot

Possibility Starts Here


Get closer to your country dream home today with a quick & hassle-free digital USDA loan application.

Personal Details

By submitting your contact information, you consent to having Homeloan rate of interest along with our mortgage partners to contact via text message or phone (automatic telephone dialing system / an artificial / pre-recorded voice) to your residential or cellular telephone number you have provided which could also be on a corporate, state, or national Do Not Call Registry.

Monthly Income

Credit Score Details

What Kind Of Property

Type of Loan

How will this property be Used?


Home

Customer Stories

Home Loan Rate of Interest testimonial shape

Sarah Johnson

Houston, Texas

I cannot thank HLRI enough for helping me secure my USDA home loan. Their expertise and dedication made the process a breeze. I now own my dream home in a rural area, and it's all thanks to their outstanding service. I highly recommend HLRI to anyone seeking a USDA loan—they truly go above and beyond.

Home Loan Rate of Interest testimonial shape

John Smith

Atlanta, Georgia

HLRI made my USDA loan application experience smooth and efficient. Their team was knowledgeable, responsive, and provided excellent guidance throughout. Thanks to them, my family and I are now enjoying our new home in a beautiful rural setting. I'm extremely satisfied with HLRI's services.

Home Loan Rate of Interest testimonial shape

Emily Martinez

Orlando, Florida

HLRI deserves every bit of praise for their assistance with my USDA loan. They simplified the complex process, making it stress-free. Their expertise and commitment to clients are remarkable. Thanks to HLRI, I now have a wonderful home in the countryside. I highly recommend their services to anyone looking for a USDA loan.

Home Loan Rate of Interest testimonial shape

David Thompson

Denver, Colorado

I had an exceptional experience working with HLRI on my USDA construction loan. Their team's professionalism and knowledge are top-notch. They guided me every step of the way, making the entire process seamless. Thanks to HLRI, I'm now a proud homeowner in a rural area. I couldn't be happier with their service.

Home Loan Rate of Interest testimonial shape

Amanda Lee

Minneapolis, Minnesota

HLRI exceeded my expectations when it came to securing my USDA loan. Their expertise and dedication were evident from day one. They answered all my questions, addressed concerns promptly, and made the entire process hassle-free. Thanks to HLRI, I'm living in my dream rural home. I highly recommend their services to anyone in need.

Home Loan Rate of Interest testimonial shape

Michael Turner

Phoenix, Arizona

HLRI provided me with outstanding support throughout my USDA loan journey. Their team's expertise and commitment to helping clients are unmatched. They made the process straightforward and stress-free, allowing me to realize my dream of owning a home in a rural area. I'm incredibly grateful for HLRI's excellent service and highly recommend them.