We're happy to answer any additional questions, just visit our Contact Us page for more information.
Ask for your quote today!Let us help you now!
(484) 240-5500Text or Call Us

Why is a USDA loan superior to other loans like Conventional or even FHA?

  • No down payment

    One of the greatest benefits of a USDA loan is that it offers 100% financing. One of the biggest struggles of buying a new home is saving up the down payment. With a USDA loan this is no longer a problem!

  • Allows For Average Credit

    This loan allows for borrowers with some blemished credit or a short credit history to still receive a loan. Lenders may also accept alternate forms of tradelines such as phone bills, utilities, car insurance, etc.

  • Lower-Than-Market Interest Rate

    This loan type is insured by the U.S. Department of Agriculture, meaning that the USDA guarantees against any losses, making this type of loan a very low risk investment for the bank. This allows for lower-than-market interest rates when choosing a USDA loan.

  • Very Low Mortgage Insurance

    Many loans require mortgage insurance on the property. Mortgage insurance lowers the risk to the lender of making a loan to you. USDA loans offer a significantly lower rate for monthly mortgage insurance the other loans such as FHA


You can apply for a USDA Loan if you meet the following criteria:

  • You meet the income-eligibility requirements

    A borrower is not to exceed 115% of the median income for the county. The purpose of this is to save the program for low to medium income borrowers.

  • Primary Residence

    You agree to personally occupy the dwelling as your primary residence

  • Location Match

    You purchase a property that is in a designated zone