USDA Rural Housing Loans

Financing for rural home buyers
If you’re looking to purchase or refinance a home in a rural area, our USDA rural housing program is just what you need.

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 purchase 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.


Rural housing loan benefits

  • Up to 100% loan-to-value financing*
  • No down payment required
  • Fixed interest rate
  • No maximum purchase price
  • Not limited to first-time home buyers

Additional account details

  • Eligible property types include existing homes, new construction, modular homes, Planned Unit Developments (PUDs), eligible condominiums and new manufactured homes.
  • Nontraditional credit may be accepted (includes detailed payment history on rental payments, utility bills, telephone/mobile services and television service).
  • Gift, grant funds, mortgage credit certificates (MCCs) and seller concessions are allowed.

Financing for where you live

Get started today by applying online or calling 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists for answers.

Apply now    Meet with a specialist

*On approved credit. Actual APR based on credit worthiness.

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