USDA Rural Housing Loans

If you’re looking to purchase or refinance a home in a rural area, our USDA Rural Housing program is just what you need.

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Affordable Mortgages for Rural Americans

Rural homebuyers can receive affordable financing on their next home with a USDA Rural Housing Loan from Mountain America. This home loan program was designed to assist low-to-moderate income rural residents in purchasing a new home by providing affordable interest rates and loan terms. Applicants must purchase a home within the eligible rural areas and have a household income that does not exceed the established limits for the area where the home is located.

Benefits of a USDA Rural Housing Loan

  • Up to 100% financing
  • No down payment required
  • Nontraditional credit may be accepted (includes detailed payment history on rental payments, utility bills, telephone/mobile services and television service)
  • Fixed 30-year interest rates apply
  • No maximum purchase price
  • Eligible property types include existing homes, new construction, modular homes, Planned Unit Developments (PUD’s), eligible condominiums and new manufactured homes
  • Gift/Grant Funds/Mortgage Credit Certificates (MCC’s)/Seller Concessions are allowed
  • Not limited to first time homebuyers


Get a home loan with no down payment and a low interest rate.

Loans subject to credit approval. See current rates and terms. The minimum payment for a loan with a 4.50% APR and 30-year term is $5.07 per $1,000 borrowed. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. See our Loan Calculator for specific examples.  

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