      
  4.9 
   1221 reviews

      
  4.9 
   1221 reviews

USDA Home Loan With No Down Payment

Own your home with 100% financing — USDA loans make it possible.

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What is a USDA Loan?

A USDA home loan is a government-backed mortgage, also called a rural development loan, that helps qualified buyers purchase homes in USDA-eligible rural and suburban areas with no money down and 100% financing.

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Why work with us...

We simplify the mortgage process with expert guidance, fast responses, and real support every step of the way. Here’s how we help you move forward with confidence:

What Our Clients Are Saying

    
 
 
      Posted on Google  
   
   Micheal Maschke 
 8 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Brandon was a very nice guy, very informative on top of things, very thorough, great personality And kept ball rolling even when I was slacking. A+++   Thanks for everything.
  
 
     Posted on Google  
   
   Aaron Bozeman 
 8 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Was having trouble with other companies and found society mortgage and I’ve been working with Joseph and he is very helpful and got me approved really quick! Highly recommend!
  
 
     Posted on Google  
   
   Lakira Sheffield 
 8 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Took a leap of faith and reached out to society mortage for my mortgage and home needs. Jakob and his team have been really helpful and accessible during this process.
  
 
     Posted on Google  
   
   Desmond Clayton 
 8 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very polite, professional and very fast service
  
 
     Posted on Google  
   
   Frederick Shaw 
 7 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Maia has been absolutely wonderful so far and seems like the kind of person who got into this business to help people get a home not just make some money
  
 
     Posted on Google  
   
   Melisa Garcia 
 7 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. So helpful and caring. Really met and understood my needs
  
 
     Posted on Google  
   
   Oliver Figueroa 
 6 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Helped so much with the whole process and any questions I had as a first time home buyer :)
  
 
     Posted on Google  
   
   Morgan Ogozalek 
 6 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great experience! We appreciated David's honest feedback on some of the considerations. We're entirely new to the process and David answered all of our questions, made sure we understood, and really took the time to break down what we needed him to.
  
 
     Posted on Google  
   
   Patricia Guerrero 
 5 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. I'm so excited to have had, society mortgage help me getting financing. I've been trying for a while but I trust that they will help you.
  
 
     Posted on Google  
   
   SHERRY SMITH 
 5 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. They have been very helpful and kind. Didn't take long to get approved. It was quick and easy. Fantastic company to deal with.

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FAQ

What is a USDA home loan?

A USDA home loan is a government-backed mortgage that helps eligible homebuyers purchase a home in qualifying rural and suburban areas with 100% financing and no down payment.

Do USDA loans require a down payment?

No. USDA loans offer 100% financing, meaning qualified homebuyers can purchase a home with 0% down.

Who qualifies for a USDA loan?

To qualify for a USDA loan with Society Mortgage, you must:

Purchase a home in a USDA-eligible area.
Meet USDA household income limits.
Use the home as your primary residence.
Have a credit score of 550 or higher.

What credit score do I need for a USDA loan?

At Society Mortgage, you may qualify for a USDA home loan with a credit score as low as 550, provided you meet the program’s income, property, and underwriting requirements.

What areas qualify for a USDA loan?

USDA loans are available in many eligible rural and suburban communities across the country. You may be surprised to learn that many suburban neighborhoods qualify. We can help you determine if a property is USDA eligible.

Can you switch from a USDA loan to a conventional loan?

Yes. In some situations, refinancing from a USDA loan to a conventional loan can be beneficial—especially once you’ve built enough equity to remove monthly mortgage insurance. With a conventional loan, private mortgage insurance (PMI) may be removed once you meet the equity requirements, which could lower your monthly payment.

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