USDA Home Loans are government-backed mortgage programs designed to help qualified borrowers purchase or refinance primary residences in eligible rural and suburban locations. These loans offer 100% financing, competitive interest rates, and flexible underwriting standards.
No down payment • Low fixed rates • Affordable monthly payments
A USDA Home Loan is a mortgage program supported by the U.S. Department of Agriculture, created to promote affordable housing in designated areas. It is designed for low-to-moderate income households seeking stable, long-term financing for a primary residence.
Key features include:
You may be eligible if:
Eligibility varies by location, income, and loan structure.
| Types | USDA Guaranteed Loan | USDA Direct Loan |
|---|---|---|
| Source | Issued by approved lenders | Issued directly by USDA |
| Income | Low to moderate | Very low |
| Property | No minimum requirement | Must be modest (no pool allowed) |
| Rate | Set by lender | As low as 1% |
| Term | Up to 30 years | Up to 38 years |
| Use | Purchase, build, renovate, refinance | Primary residence only |
USDA financing is location-based. The first step is confirming whether the property qualifies under USDA guidelines.
Loans by Kelly provides guidance throughout the USDA loan process — from eligibility review to pre-qualification — helping you identify the most affordable mortgage option based on your income, location, and goals.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
