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4.5 out of 5|13,847 reviews
4.5 out of 5|13,847 reviews4.5 out of 5|13,847 reviews
Low rates and no down paymentBuy a home where you live and workBacked by the USDA
Buy, build, rehab, or relocate your rural home with a streamlined digital process.
Get approved based on income and location for an interest rate as low as 1%.
Take advantage of reliable, government-backed financing for trusted support.
Over 730K clients. 23 years’ experience. One goal: helping you build a brighter future.
See your best loan options with technology that analyzes your finances in real time.
Pick the right loan and term that helps you achieve your unique homeownership goals.
Get approved and funded quickly, so you can enjoy your new financial freedom.
See your best loan options with technology that analyzes your finances in real time.
Pick the right loan and term that helps you achieve your unique homeownership goals.
Get approved and funded quickly, so you can enjoy your new financial freedom.
USDA home financing makes it easier for buyers in certain rural areas to own a home with no down payment, competitive rates, and flexible credit requirements. If you live in an eligible area and meet the income requirements, a USDA loan may offer greater benefits than other loans to buy a home.
If your income, credit, and location meet USDA guidelines, getting approved for a USDA loan is straightforward. AmeriSave walks you through the process and can help you qualify with confidence.
The U.S. Department of Agriculture backs USDA home loans through its Rural Development Guaranteed Housing Loan program.
USDA loans are backed by the government to encourage homeownership in designated rural areas. Because it is a government loan, eligible buyers may qualify for more affordable rates and “zero-down” options. AmeriSave helps you secure a USDA loan by verifying your income and property meet the requirements and provides a streamlined mortgage process.
USDA home financing requires borrowers to have a low-to-moderate income that doesn’t exceed 115 percent of the median income in the area. Homes must be a single-family residence in an eligible rural area defined by the USDA, and it must be your primary residence. Lenders will also need to see proof of income or assets to determine if you can repay the loan.
