USDA loans are backed by the U.S. Department of Agriculture to encourage homeownership outside of major urban centers. "Rural" is defined more broadly than most people expect — many suburban areas around Arizona actually qualify.
Generally a good fit if you...
- Are buying in a USDA-eligible area (we can check this for you in seconds)
- Fall within your area's household income limits
- Want to buy with no down payment
- Have steady, documentable income
General guidelines
- Down payment: 0% down for eligible borrowers
- Credit score: typically 640+ for streamlined processing
- Income limits: household income generally can't exceed 115% of the area median income
- Guarantee fee: an upfront fee plus a low annual fee, in place of traditional mortgage insurance
Curious if your address is in a USDA-eligible zone?
Every situation is different, and these are general guidelines — the fastest way to know where you stand is a quick conversation. Send us a message or visit our team page to apply directly.