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Rural and suburban buyers may be able to use a USDA Loan to purchase a home with no money down. If you dream of living in a rural or suburban area, you may qualify for a USDA loan. USDA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages. You may qualify even with less than perfect credit. Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)!

How USDA Loans Work

  • Purchase your home with as little as 0% down payment.
  • 30-, 25-, 20- and 15-year terms are all available with fixed rates.
  • 5-year adjustable rate mortgage available.
  • No monthly PMI (Private Mortgage Insurance).
  • USDA loans are governed by the U.S. Department of Agriculture.
  • Pay your mortgage off at any time without pre-payment penalties.

Qualification Requirements

  • Household income limits apply and are based on location.
  • Only available in certain areas. Talk to a specialist today to see if it is an option for you!
  • Buy a home with no money down (primary home).
  • Refinance up to 100% of your primary home’s value.

Have questions?  Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

**Fast Lending is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.

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