USDA Rural Development Loans
Want to live on a beautiful property in a rural area?
Ask me if your area qualifies!
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why choose a USDA Rural Housing Home loan?
- 100% financing + finance the USDA fee
- Zero down payment
- A low 0.35% annual fee (cheaper than FHA MI)
- Low credit score requirements
- Gift funds can be used for closing costs
- Lower interest rates
- Low closing costs
- Flexible qualification guidelines
- 30-Year, fixed-rate mortgage required
- Lower overall cash-to-close
Available in the following States:
Have questions if a USDA loan is right for you?
What is a USDA Rural Mortgage?
Using a USDA loan, buyers can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates. This is because USDA mortgage rates are discounted as compared to rates with other low-down payment loans.
The United States Department of Agriculture (USDA) sets lending guidelines for the program, which is why it is also called the USDA Rural Development (RD) Loan. This mortgage type reduces costs for home buyers in rural and suburban areas. It is one of the most cost effective home buying programs in the marketplace today. Have questions?
Ineligible USDA Rural Areas in Utah
USDA Rural Development requires a “rural” designation to qualify. Larger population cities will not qualify. Below, you will find updated maps as of January 1st, 2021 that shows ineligible areas in yellow where USDA Rural is unavailable.
As always, if there’s ever a question or if the address it close to the yellow border, feel free to fill out the form at the bottom of this page and I’ll verify the address for you!
Is your area eligible for a USDA loan? Find out now!
Want to chat about your options?
Message Kalab Stokes to get a free consultation to discuss which loan works best for you.
- Not sure if you can qualify?
- Have questions on which loan program works best for you?
- Want to create a plan to get you your dream home?
