USDA Mortgage Loan

Affordable Financing for Rural and Small-Town Homes

USDA loans are government-backed mortgages designed to make homeownership more accessible in rural and suburban areas. With no down payment required and flexible credit guidelines, they’re a great option for buyers who want to stretch their budget without sacrificing peace of mind.

What You Need to Know..

  • Backed by the U.S. Department of Agriculture.

  • Available for eligible rural and suburban properties.

  • Income limits apply based on area and household size.

  • No down payment required for qualified borrowers.

The Highlights..

  • $0 down payment option.

  • Competitive interest rates.

  • Flexible credit and income requirements.

  • Focused on making rural and suburban living more attainable.

FAQ – Quick Answers..

  • Do I have to buy farmland?
    Nope! USDA loans are for standard single-family homes in eligible rural or suburban areas—not farms.

  • Is there a location requirement?
    Yes — your property must be in a USDA-eligible area (many small towns and suburbs in Minnesota qualify).

  • Can I use a USDA loan for a second home or investment property?
    No — USDA loans are for primary residences only.