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Understand The Home Buying Process
In the heartland of America, eligible loan applicants can finance a home for 0% down by participating in the United States Department of Agriculture Rural Development Housing Program.
There are several great properties within Landmark Bank’s service areas that qualify USDA Loans – zero percent down payment, government-insured home loans that allow you to purchase a home with 100% financing. USDA Loans also allow for all of your closing costs to either be paid by the seller or financed into your loan.
USDA Loans also offer some of the lowest fixed interest rates, and are a great way to finance a home if you plan on living in a rural area.
USDA Loan requirements state where you can and cannot live to be eligible for a USDA Rural Housing Loan. A USDA Rural Housing Loan can only be used on properties in rural areas as defined by this eligibility map on the USDA website.
The household income of borrowers obtaining USDA Loans must also not exceed 115% of the median household income of the area. Landmark Bank has an online calculator geared towards helping borrowers determine how much home they can afford based on income and other factors.
Learn about state-specific USDA programs in your state below by viewing these state-specific USDA Loan requirements:
As a special incentive to first time home buyers financing USDA Loans through Landmark Bank, we offer first-time home buyers a $700 credit towards closing costs with approved credit.
Landmark Bank has local mortgage lenders at each branch eager to assist you through the process of obtaining a USDA Rural Housing Loan. Our lenders pride themselves in the communities we work and live and in, and can help you learn all the options you have with USDA Loans and meeting USDA Loan Requirements.
Apply for USDA Loans online or visit your nearest branch. At Landmark Bank, we are here for you each step of the way.
Landmark Bank is here for you. Learn about our other Real Estate Loan products to help decide which is right for you.