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A USDA loan is a type of mortgage intended for small towns and rural communities.
Read MoreWant 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.
There’s no down payment required and 100% financing available.
There’s no cost to apply and the application process is easy.
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.
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.
To obtain a USDA home loan, you need to meet the following:
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A USDA loan is a mortgage backed by the U.S. Department of Agriculture, designed to help borrowers buy homes in eligible rural areas. USDA loans offer benefits like no down payment and competitive interest rates, and eligibility is based primarily on income and the location of the property.
To be eligible for a USDA loan, you must meet income limits set by the USDA. The property must be in a designated rural location, and it must be used as a primary residence. While credit standards are more flexible with USDA loans than with other types of loans, the borrower will still need a credit history that demonstrates their ability to manage debt.
USDA loans typically do not require a down payment.
Credit score requirements are flexible around USDA loans, but borrowers will typically need a credit score above 620 to qualify.
You can get a quote online in minutes, or talk to our lending team to learn more.