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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