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USDA Rural Loans

Rural Living Dreams Made Affordable – Zero Down Payment

To be eligible, the desired home must be located in a rural region. Are you unsure whether your home qualifies for a USDA Rural Housing Loan? We can do the research for you, just call our team at 435.216.3081. The USDA home loan offers flexible credit standards and requires no money down!

Why Choose a Rural Housing USDA Loan?

  • Zero down payment required for eligible buyers
  • Lower monthly mortgage insurance compared to many other low-down-payment programs
  • Typically lower closing costs than many traditional loan options
  • Available as a 30-year fixed-rate loan
  • Homes must be located in USDA-eligible rural or suburban areas
  • Flexible qualification guidelines for borrowers
  • Financing up to 100% of the appraised value
  • Includes a one-time upfront guarantee fee and a low monthly mortgage insurance premium
  • Household income limits apply and vary by county
FAQs

USDA Rural Loans FAQs

What areas qualify as "rural" for USDA loans?
You might be surprised—many suburban areas and small towns qualify as rural under USDA guidelines, not just farmland. We can check your desired location in minutes to see if it qualifies, and you’ll likely find more eligible properties than you’d expect.
Yes, USDA loans have maximum income limits that vary by county and household size, but these limits are designed to help moderate-income families achieve homeownership. Many working families fall within these guidelines, and we can quickly determine if you qualify based on your specific situation.
USDA loans require zero down payment and have lower monthly mortgage insurance compared to FHA loans. This combination means lower upfront costs and lower monthly payments, making USDA loans one of the most affordable financing options available if your property qualifies.
Testimonials

Why We Chose USDA Rural Loans

-The Rogers Family

"When my wife and I decided to move to Utah, I started my home search online. I found the Staples Group on Facebook and after reading all of their positive reviews I decided to call them. I knew I made the right choice after our very first meeting. Becky took things very slowly and explained all of our options to us. I decided to go with the USDA Rural housing loan because of the low mortgage insurance and the ability to put zero money down. We ended up building a home and are really happy how it turned out. We were also pleasantly surprised when they found us a grant for $2,000 from our city! They are my lenders for life!"

Why We Chose USDA Rural Loans

-The Rogers Family

"When my wife and I decided to move to Utah, I started my home search online. I found the Staples Group on Facebook and after reading all of their positive reviews I decided to call them. I knew I made the right choice after our very first meeting. Becky took things very slowly and explained all of our options to us. I decided to go with the USDA Rural housing loan because of the low mortgage insurance and the ability to put zero money down. We ended up building a home and are really happy how it turned out. We were also pleasantly surprised when they found us a grant for $2,000 from our city! They are my lenders for life!"

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