Purchase Products

USDA Loans

This mortgage product is guarantee by the United States Department of Agriculture. This guarantee allows lenders to provide easier qualifying guidelines with low down payment options. To qualify properties must be in areas designated by the US Department of Agriculture.

Benefits & Features

  • Down Payments Starting at 0%
  • No Reserves Required
  • Expanded qualifying and underwriting ratios.
  • Guarantee Fee can be financed.


  • Minimum Fico Credit Score of 580
  • No Bankruptcy Chapter 7 or 11 in the last 3 years from discharge or dismissal date
  • No Bankruptcy Chapter 13 in the last year from discharge date with timely repayment.
  • No Foreclosure, Short Sale, or Deed-in-lieu in the last 3 years.


The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Ready Mortgage Lenders.

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