Loan Program
USDA Loans
No-down-payment option for eligible rural and suburban homebuyers.
Who this program may fit
Eligible borrowers purchasing a home in a USDA-eligible area who meet income guidelines.
Common uses
- Primary residence purchase in eligible areas
Key considerations
- Property must be in a USDA-eligible area
- Household income must meet USDA guidelines
- USDA guarantee fee and annual fee typically apply
- Occupancy must be as a primary residence
Documents commonly requested
- Recent pay stubs (typically 30 days)
- W-2s (typically 2 years)
- Federal tax returns (typically 2 years)
- Bank statements (typically 2 months)
The process
- 1Confirm property and income eligibility
- 2Compare USDA options and alternatives
- 3Complete a secure application
- 4Underwriting and property review
- 5Clear to close and closing
Frequently asked questions
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access