Whether you’re a first-time buyer or relocating to a USDA-eligible area, this program makes homeownership more accessible than ever. Our mortgage experts will help you determine if you qualify and guide you through the application process.
If you dream of owning a home in a peaceful, rural, or suburban setting, a USDA home loan could be the perfect financing option for you. Backed by the U.S. Department of Agriculture, USDA loans provide 100% financing, meaning no down payment is required. These loans also offer below-market interest rates and reduced mortgage insurance costs, making homeownership more affordable for low-to-moderate-income families.
Borrowers must purchase a home in a USDA-eligible area and meet income requirements based on their location and household size.
No, USDA loans are specifically intended for primary residences only. The program is designed to help eligible buyers purchase a home to live in full-time, not for vacation homes, second residences, or investment properties. To qualify, you must occupy the home as your primary residence. At GWFR Lending, we’ll help ensure you meet all eligibility requirements and find the right loan option for your needs.
Yes! While USDA loans already offer zero down payment, there are also options to help with closing costs. In some cases, you can roll closing costs into your loan, receive seller contributions, or use gift funds or local/state assistance programs. Our team at GWFR Lending will help you explore all available resources to make your home purchase as affordable as possible.
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