USDA LOAN

When “Home” Is Outside the City Limits

What is a USDA Loan?

USDA loans are government insured 100% purchase loans for rural property outside of major metropolitan areas. USDA loans are serviced by direct lenders that meet federal guidelines. USDA loans offer unique benefits, including no down payment requirements for buyers.

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Not Just for Farmland

If you live outside of a major metropolitan area, then you may qualify for a USDA loan. As a matter of fact, millions of borrowers are eligible for USDA loan, the only program that offers 100% financing available* to buyers who haven’t served in the military. The county and zip code of the home you want to purchase may meet the guidelines as long as it is outside of a major metropolitan area.

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No Down Payment Required

Conventional loan can require a 20% down payment*, but USDA loans stand alone in offering 100% purchase financing with no down payment requirements. As long as you meet the USDA requirements, you can get 100% financing when you purchase your rural home.

Family Eating Outdoor Meal In Garden At Home Together

We’re here to help.

The requirements for a USDA loan are very specific, so our specialized loan experts at American Pacific Mortgage can help determine if you qualify under the current guidelines. The location of the home, your income, credit history, and number of dependents will determine eligibility for this fantastic program.

* Qualifying factors may apply

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American Pacific Mortgage a Division of American Pacific Mortgage Corporation NMLS #1299922; DRE 01215943

Licensed by the Dept of Financial Protection and Innovation under the CRMLA

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JJ Mack Team – American Pacific Mortgage

2220 Douglas Blvd, Ste 220
Roseville, CA 95661

(916) 517-1800

[email protected]

Dallas, TX 75001 Portland, OR 97035

Miami, FL 33101 Las Vegas, NV, 88901

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Seattle, WA 98101 Pheonix, AZ 72901

NMLS #1299922

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© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.