Financing for rural home buyers
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.
Limited-time offer
Apply for your home-grown home loan and receive a free appraisal, now until July 31, 2025.¹
With an easy, online application and one-on-one guidance, you’ll be home in no time!
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 financing²
- No down payment required
- Fixed USDA housing interest rates
- No maximum purchase price
- Not limited to first-time home buyers
Additional USDA loan 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.
Estimate your mortgage payments
Customize your rate
Financing for where you live
Get started today by applying for a USDA Rural Housing Loan online or calling 1-800-277-7703. If you still have questions, schedule an appointment with one of our mortgage specialists for answers.
Home Insurance
Get peace of mind by protecting your home, family and possessions with Mountain America Insurance.
Meet With a Loan Officer
Our mortgage experts will answer your questions, assess your finances and recommend the best home loan program for your situation.
*Loans on approved credit. Actual APR based on creditworthiness. Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Get an official loan estimate before choosing a loan. Some limitations on loan amounts may apply based on county limits and/or loan product. FHA county loan limits apply for FHA loans.
- Loans on approved credit. Membership required—based on eligibility. Free appraisal on new purchases and construction loans only. Not available on refinance loans. Cannot be combined with other offers. Limit one per household. Offer valid on applications received between 3/1/25 and 7/31/25 for loans that close no later than 8/31/25. Limited-time offer. Offer can change or be withdrawn at any time.
2. Loans on approved credit. Actual APR based on creditworthiness.
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Foreclosure prevention
