      
   4.91221 reviews

      
   4.91221 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  
   
   Janet Rasmussen 
 28 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Quick, easy and got pre-approved!  Highly recommend!
  
 
     Posted on Google  
   
   Shyanne Stewart 
 28 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I never thought I would be approved ! But they made this process so easy!!
  
 
     Posted on Google  
   
   Wendy McDonough 
 26 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Jillian was absolutely amazing and so helpful we were lost trying to figure out the whole home loan process but, she made it so easy for us thank you.
  
 
     Posted on Google  
   
   ab4010 britt 
 26 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service 👍
  
 
     Posted on Google  
   
   Rick Eckert 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Dealing with Society Mortgage and Elijah Grady was a pleasure not only was it a pleasure it was quick. I had an answer the very next day and working with them right now to get our home absolute five star treatment.
  
 
     Posted on Google  
   
   Mitchell Quesada 
 23 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very friendly and very helpful whatever situation you in these people will help you. They understand the struggle that’s going on. They have your best interest in investment on the mind so if you’re looking to get out of just renting a place and wasting money and burning it up I advised and check and see if you can get approved for a home loan Weather your first time homebuyer or are you buying houses Before. The decision you choose to make it could be life-changing now instead of wasting almost 20,000 a year 20,000 a year will be going to a house payment that I will be owning. I appreciate you.
  
 
     Posted on Google  
   
   Kristi Rose Rakan 
 22 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. It’s really great to work with them they have talked me through so much about about what processes I need to take for buying a house and how to get approved and everything. They are awesome and amazing people to work with thank you for helping me find one of the houses that I was truly wanting to get to know more about.
  
 
     Posted on Google  
   
   Christina Homier 
 22 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Thank you for helping us now to find the perfect home
  
 
     Posted on Google  
   
   Julie Landin 
 22 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very courteous and helpful! Definitely listened to what I had to say and provided much needed feedback.
  
 
     Posted on Google  
   
   Sheryl Hansen 
 21 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. The process was quick and effecient!!

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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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