Purchasing Through The USDA Program

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USDA - Making Home Ownership Attainable Without Money Down

Welcome to your USDA Loan Source. USDA home loans are one of the only loans in the country that does not put a homeowner through the hardship of requiring a down payment. This no Down Payment Home Loan for first-time home buyers and current homeowners, is provided by a USDA approved lender, and guaranteed by the United States Department of Agriculture. The USDA Rural Development Home Loan program has helped thousands across Florida achieve their dream of homeownership in 2018.- No Money Down

- Flexible Credit Guidelines

- Low Interest Rates

- Government Guaranteed

- 30 Year Fixed Rates

-Ability to Roll Closing Costs into Loan

2018 is starting off strong for those looking to purchase a home! USDA loans are backed by the United States Department of Agriculture and allow you to purchase a home in select locations without money down. The USDA program was created to help our rural communities grow by making homes more affordable through no down payment and moderate credit requirements. But don't let the word "Rural" fool you! Many suburbs surrounding or bordering populated cities are eligible! 

This is one of the only loans available that allows you to purchase a home without putting money down. This is a great opportunity, especially for first time home buyers or anyone who would like to purchase a home but has limited savings. Flexible credit requirements are another great quality this loan programs offers; don't let past credit hiccups hold you back! If you would like to get qualified or just get some additional information, fill out the Information Request to the right. A USDA specialist in your area will contact you today!


Loan Options


No down payment required. Flexibility with credit. Income restrictions and eligible areas only.

VA Loan

Must be a Veteran. No down payment and flexible credit guidelines.


Flexible guidelines and more forgiving on credit then conventional. 3.5% Down payment with Low interest rate and no reserves required for 1 to 2 unit properties


Low Rates for borrowers with excellent credit and 20% down payment. No limits on invome area or occupancy type.


Refinancing is taking a new loan to replace your existing. Cash out, lowering payments or rates are all a good reason to consider a refinance.


When I contacted you I certainly didn’t expect to be closing on my home just a few weeks later. Thank you for making this possible for me and my family. I wish I would have known this help was out there sooner.
— Christina Wise