My Community Mortgage: Not affiliated or endorsed by the U.S Department of Agriculture or any govt. agency.
A $0-Down Home Loan Most Buyers Don't Know They Qualify For
USDA loans aren't just for farms — most of the country outside major city centers actually qualifies. Answer a few quick questions and see exactly where you stand, no paperwork chasing required.
Is USDA Right for You?
Two things determine eligibility — where the property is, and what your household earns. Neither works the way most people assume.
Property Location
"Rural" includes many suburbs and small towns — not just farmland.
Household Income Limits
Based on your county and household size — higher than most people guess.
Not First-Time-Buyer Only
Already own a home? You can still qualify for USDA.
Primary Residence
Must be the home you'll live in — not a second home or investment property.
How It Works
From a few quick questions to a personalized answer — here's the whole process.
Answer a few questions
About the property, your household, and your goals — takes a couple minutes.
Get your personalized result
See what you likely qualify for immediately, before sharing any contact info.
We verify the details
Property eligibility, income limits, and program fit — including options beyond USDA if they fit better.
Talk to a loan officer
Get a real rate quote and a clear next step — no pressure, no obligation.
Ready to See Where You Stand?
It takes less time than reading this page — and you'll see your results before we ask for any contact info.
Not affiliated with or endorsed by the U.S. Department of Agriculture or any government agency. Equal Housing Lender. NMLS #2408499. Not available in CT, NY, WA, HI, or AK.