USDA Loans for Affordable Rural Living
Get a FREE quote on a USDA-backed mortgage and discover how much you can save on your next home.
Everything You Need to Know About USDA Loans
Breaking Down USDA Home Loan Programs
Low Interest. No Down Payment. Easy Process.
The U.S. Department of Agriculture offers several loan programs to support homeownership in rural communities. These include the Single-Family Direct Loan, Guaranteed Loan, Home Repair Loans and Grants, and the Mutual Self-Help Loan—each designed to make housing more affordable for low to moderate-income families.
While each loan type has different terms, they all share major advantages: very low interest rates (some as low as 1%) and zero required down payment. Most borrowers will need a decent credit history to qualify.
We simplify the USDA mortgage process with expert guidance and easy-to-use tools—starting with a FREE USDA Loan Pre-Qualification.
We’ll help you compare your options so you can find the best fit, whether you're buying your first rural home or expanding your portfolio.
The USDA Loan Process
Here’s how it works with us:
Complete our USDA Loan Qualifier form
Receive loan options based on your financial profile
Compare interest rates, terms, and monthly costs
Choose the best loan for your home purchase
Why Consider a USDA Loan?
USDA loans offer powerful benefits: no down payment required and the option to use gift funds or grants to help cover your mortgage. These loans are perfect for buyers looking to finance a home with little to no upfront cost in approved rural areas.
USDA Loan Pre-Qualification
You Could Be Funded in Just 30 Days
Fast funding with zero down payment required.
Fixed Rate Options
Adjustable Rate Mortgages (ARM)
Standard Conforming Loans
High-Balance & Jumbo Mortgages
FHA, VA & USDA Government Programs
Loan Terms from 5 to 30 Years
Get Your FREE USDA Loan Quote Today
Rates vary daily. Your quote depends on where you're buying, your credit, and your financial situation. Use the form below to get your personalized USDA loan quote now:
Our team delivers tailored mortgage solutions with speed, transparency, and integrity. From first-time buyers to seasoned homeowners, we guide you through every step, helping you compare top lenders, lock great rates, and close quickly with confidence.
Contact Info
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Envision Home Lending LLC, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. Envision Home Lending LLC is a licensed mortgage broker in the following states TX, LA and GA. The following states require disclosure of licensing information. (If your state is not listed, it does not require a specific license disclosure): CALIFORNIA – Licensed by the Department of Business Oversight under California Finance Lenders Law COLORADO – Envision Home Lending LLC, 6065 Sports Village. Frisco, Texas Suite 600, (972) 998-3360; to check the license status of your mortgage broker, visit http://www.dora.state.co.us/real-estate/index.htm TEXAS – CCONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV