Zero down payment loans for eligible rural and suburban properties. Make your countryside dream home a reality.
USDA loans are designed to promote homeownership in rural areas. Backed by the U.S. Department of Agriculture, these loans offer some of the most favorable terms available for eligible buyers.
Don't let the word "rural" fool you. Many suburban areas and smaller cities qualify for USDA financing. Our team can help you determine if your desired location is eligible.
USDA loans have income limits based on your household size and location. Generally, your household income cannot exceed 115% of the area median income. However, deductions for childcare and dependents may help you qualify.
Getting started with your USDA Loan loan is simple. Follow these steps to begin your homeownership journey.
Complete our quick online form to see your estimated loan amount and rates - no impact on your credit score.
Provide proof of income, employment verification, bank statements, and identification for full pre-approval.
Receive your official pre-approval letter showing sellers you're a serious, qualified buyer.
Shop with confidence knowing exactly what you can afford. We'll be here when you find the perfect home.
Complete the final steps, sign your documents, and get the keys to your new home!
Eligible areas include rural communities, some suburban areas, and towns with populations under 35,000. Use the USDA eligibility map or ask our team to check specific addresses.
Income limits are 115% of the area median income and vary by location and household size. Certain deductions may reduce your qualifying income.
Yes, USDA loans have a guarantee fee (similar to mortgage insurance): 1% upfront and 0.35% annually. These rates are typically lower than FHA or conventional PMI.
No, USDA loans are only for primary residences. You must intend to occupy the home as your main residence.
Real experiences from homeowners who chose USDA Loan loans
"Alfredo and his team made our first home purchase so easy! As first-time buyers, we had so many questions, and they patiently walked us through every step. We closed in 3 weeks!"
"As a veteran, I was thrilled to work with someone who understood the VA loan process. The team made everything smooth and stress-free. Highly recommend!"
"Professional, knowledgeable, and genuinely caring. The Madrid Mortgage Team got us an amazing rate and closed faster than we expected. Thank you!"
"We were nervous about the refinance process, but Alfredo explained everything clearly and got us a rate that saves us $400/month. Amazing service!"
Take the first step toward your dream home. Our simple pre-qualification process takes just minutes.
Start your journey to homeownership today
Find the perfect loan for your unique situation
Perfect for first-time homebuyers with low down payment
3.5% Down Learn More0% down payment for veterans and active military
0% Down Learn MoreFlexible terms and competitive rates for qualified buyers
3-20% Down Learn MoreLower your rate, reduce payments, or access home equity
N/A Down Learn MoreOur mortgage experts are here to help you every step of the way.