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USDA Loans

What is a USDA Loan?

A USDA loan is a government-insured home loan that allows you purchase a home with no money down.

USDA loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan. USDA offers some the lowest rates of any loan, and always have a fixed interest rate.

USDA Loan Eligibility will be determined by three factors:

1) Credit Worthiness:

When an underwriter reviews your credit history on a USDA loan, the principal thing they will be looking for is a history of paying your bills in a timely fashion. If you have had blemishes in the past, they may be overlooked as long as you have re-established your credit over the past 12 months. Generally, any open judgments or collections will need to be paid off before you close on your new home.

2) USDA Loan Income Restrictions:

You will need to be able to document your income on a USDA loan. USDA will generally want to see a two-year history of employment or consistent income. Exceptions on the two-year requirement can be made for applicants such as students. On a USDA loan, assets are not required for approval, but can help overcome any possible blemishes on your credit.

3) Where You Live:

In order to qualify for a USDA loan, your home must be located in a USDA-designated rural area. You can check the USDA eligibility of your county. It might surprise you just how many areas of the United States do qualify for these no-money-down home loans. The goal of the USDA loan program is to help our nation’s small, rural communities thrive by making land and property more affordable.

USDA Income and Property Eligibility Site


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on Home Loans, Refinancing, or Reverse Mortgages


  • Fred went out of his way to meet with us on a Saturday. We had a lot of questions and Fred answered everything to our satisfaction. Fred made himself available for any residual questions from either ourselves or our real estate agent. Upon completion, Fred was there to follow up on everything and make sure we were satisfied.
  • I recently refinanced my home with Patti Handy and I must say the process was completely painless. She was honest, upfront and very forthright and she had concerns about my loan. We worked through it very quickly and easily and got it done in a very timely manner. I highly recommend Patti Handy- she is amazing!
  • We were completely satisfied with our refinance experience. We would recommend Fred Kreger to anyone in need of a mortgage.

  • We used Vytas when we bought a new home at the end of 2014. He came highly recommended by our real estate agent. Our experience was so positive that we will definitely recommend him to friends and family. After we spoke the first time, he came by our home to meet us in person and answer any questions we had. Every communication after that was just as great. He kept us posted on the progress of our loan, what to expect regarding next steps, etc. He'd even call both my spouse and I with news to make sure we were both updated, which was a nice touch. Thanks to Vytas, we were able to get a beautiful new home that we love. Our experience with him really exceeded our expectations...he's smart, professional, thorough and just a really nice guy.

    I have completed many real estate purchases and refinances over the years. Vytas work stands out as being the easiest and most supported transaction. Vytas was ready to work around my schedule; early mornings, evenings and even personal visits on the weekend.


  • As a real estate professional, I have NEVER been more impressed with the quality of service that we received AND how Rhona made one of the most difficult financial processes in today's world, easy to follow and easy to respond to.
  • Patti has been extremely helpful to us. the combination of her thorough knowledge of the mortgage business and her grasp of the current mortgage environment along with her naturally genuine, high touch approach have made home buying and refinancing so much easier to digest. We will work with her every time and have gladly referred her to friends and family, who have all had the same comments about her. I would recommend her to anyone.

    Patti is the very best at what she does. She is extremely detailed, makes sure that every aspect of the process is communicated and goes out of her way to make things run as smooth as possible. Patti is very professional and knows how to get things taken care of. We would not have a mortgage today if it wasn't for Patti. We recommend her to all of our friends and family looking to buy a home.

    Patti assisted me with refinancing two times. She stayed on top of things and kept me informed as to how things were progressing. Patti is a true professional and I wouldn't hesitate to utilize her services in the future.

    Mike and Shelley

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