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USDA Loans

100% financing with competitive rates.

Want a home outside the city limits? Make it happen with a home loan from the USDA (United States Department of Agriculture). Designed for homeowners in small towns and rural communities, you can enjoy a $0 down payment and the ability to finance up to 100% of the purchase price with a USDA home loan.

Features & Benefits

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$0 Down. 100% Financing

There’s no down payment required and 100% financing available.  

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$0 Application Fee

There’s no cost to apply and the application process is easy.

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Lock in Your Rate

Lock in your rate for up to 90 days before closing!Once your loan is approved, your rate can be locked up to 90 days.

Trusted, Local Lending from Start to Finish

We are one of the largest and most trusted mortgage lenders in Arkansas. Plus, with local lending and servicing from start to finish, we are with you every step of the way.

Am I eligible for a USDA loan?

To obtain a USDA home loan, you need to meet the following:

  • Income Limits: Your income cannot be more than 15 percent over the median salary in the area you plan to buy in. You must also prove a stable and dependable income, along with minimum credit score requirements.
  • United States Citizenship: You must be a U.S. citizen or legal permanent resident.
  • Primary Residency in Rural Area: This must be your primary residence. The home cannot be a secondary residence.
Arkansas Federal Credit Union Homebuyer Guide

Free Homebuyer Guide!

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Ready to get pre-qualified?

You can get pre-qualified online! Plus, there’s no cost to apply.
Have questions? Call us at 800.456.3000 or visit your local branch.