USDA

  • 100% financing with no down payment (USDA loan program offers 0% down based upon certain qualifying factors)
  • Flexible Underwriting!
  • Properties must be located in eligible rural areas (generally towns with a population of 20,000 or less that are removed from an urban area)
  • No cash reserves are required
  • Borrowers are not required to be first time homebuyers
  • No Loan limit restrictions
  • Minimum credit score of 620 from most lenders