Purchase

USDA Loans

USDA loans help eligible buyers purchase a primary residence in USDA-designated areas, which include many rural and suburban communities.

Start Your Application

Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval or a commitment to lend.

How Daniel explains it

The first thing Daniel checks is the address, because people are often surprised which areas qualify.

The second is household income, because USDA has limits that vary by county and household size. If both line up, USDA may help eligible buyers reduce the cash needed at closing.

How a USDA loan works

The property must be in a USDA-eligible area.
Household income must fall within USDA limits for the county.
Low down payment options may be available for eligible borrowers.
USDA charges a guarantee fee, which works like mortgage insurance.
There is no prepayment penalty.

When a USDA loan may fit

You're buying a primary residence in a USDA-eligible area.
Your household income is within the program's limits.
You want to keep the cash needed at closing as low as possible.

What to know about a USDA loan

Property location and household income limits both apply.
The loan is for a primary residence only.
USDA's guarantee fees are part of the loan's cost. Daniel will show you how they compare with other options.

Straight answers

USDA Loans questions, answered

How do I know if a home is in a USDA-eligible area?

USDA publishes eligibility maps by address. Send Daniel the address and he'll check it, along with the income limit for that county.

Is USDA only for farms?

No. USDA home loans are for primary residences in eligible areas, which include many small towns and suburban communities.

Eligibility depends on borrower, property, and program requirements. Interest rates, products, and loan terms are subject to change without notice. Not affiliated with or acting on behalf of HUD/FHA, VA, USDA, or the federal government. Program availability and eligibility requirements apply.

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Ready when you are

Your mortgage starts here.

Ready to take the next step? Start your secure application. Not sure which program fits? Contact Daniel's team and he'll walk through your options in plain English.

Start Your Application

Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval or a commitment to lend.