USDA Loans

Unisource Mortgage Services, Inc.

Unisource Mortgage Services is proud to offer USDA Guaranteed Rural Housing Loans. These loans are perfect for anyone looking to purchase a home in a rural or suburban area, as no down payment is required. With fixed interest rates and manageable monthly payments, a USDA Guaranteed Rural Housing Loan could be the perfect solution for you!

You don't have to be a farmer to get USDA loans! Don't allow the strict eligibility requirements stop you from pursuing your dream of homeownership. At Unisource Mortgage Services, we have a team of USDA loan experts that can guide you through the process and help you decide if it's right for you.

What are the benefits of a USDA Loan?

USDA loans provide a number of advantages that make them distinct from conventional mortgages including:

  • 100% Financing
  • Low Closing Costs
  • Low Credit Score Requirements
  • Low Interest Rates

Frequently Asked Questions

  • What is a USDA loan and who qualifies?

    USDA house loans need no down payment and are available to qualifying rural homebuyers. USDA loans are granted by the United States Department of Agriculture under the USDA loan program, often known as the USDA Rural Development Guaranteed Housing Loan Program.

  • What is the minimum income for a USDA loan?

    In most areas of the country, USDA eligibility for a 1–4 member household requires an annual household income of not more than $91,900, and for a 5–8 member household, an annual household income of not more than $121,300.

  • What FICO score does USDA use?

    To qualify for the USDA home loan program, you must have a FICO score of 620; some lenders want substantially higher scores.

  • Is it hard to get a USDA loan?

    Borrowers who meet the income and credit standards can apply for a USDA home loan. Because the loan does not demand a down payment or a good credit score, qualification is simpler than for many other loan kinds.

Use our online application to quickly get prequalified for your loan.