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USDA Loan Products

Financing for properties located in USDA-eligible rural areas.


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  • 102% maximum loan to value including financed guarantee fee
  • Closing costs may be financed up to 100% of the appraised value
  • Lower guarantee fees than FHA MIP
  • No cash reserves required
  • FICOs from 620


USDA Assist

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  • No DTI qualification or ratio restriction
  • Non-credit qualifying – only mortgage rating is verified.
  • No appraisal needed
  • Mortgage only credit report accepted
  • Closing costs may be financed
  • Only requires a $50 reduction in mortgage payment for net tangible benefit