      
  4.9 
   1284 reviews

      
  4.9 
   1284 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  
   
   Heather Hungerford 
 16 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great service
  
 
     Posted on Google  
   
   Pickers Warehouse of Woodinville 
 16 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic experience from start to finish! They helped me get pre-approved for an out-of-state home purchase, and the entire process was quick, painless, and done in a jiffy. Communication was great, everything was straightforward, and they made the process incredibly easy. Highly recommend!
  
 
     Posted on Google  
   
   LaKisha Pettis 
 16 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Quick response and knowledgeable. Still in the process. But so far so good!!!!
  
 
     Posted on Google  
   
   Brina T 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Me and my husband had a great experience with our loan officer David Naimey. He was phenomenal and very helpful throughout the whole process. He got us approved for a FHA with no hassle his communication was great. God bless him and his family he’s amazing. I highly recommend Society Mortgage for anyone looking to purchase. They get the job done you won’t regret it.
  
 
     Posted on Google  
   
   Frank Oblak 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great to work with, was an easy process. Explained a lot in a short amount of time
  
 
     Posted on Google  
   
   Sheyla Mills 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Such a great help with everything and the process was step to step and such a great help. Went through everything and did an awesome job will recommend.
  
 
     Posted on Google  
   
   Dixie Kearsch 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. David Naimey was recommended to us by a great friend and I completely understand why! He communicates well and is really helpful. The process was fairly easy and he gave great tips to help us with our goals... 4 months later David and Miranda are still just as amazing and patient with us! Very happy
  
 
     Posted on Google  
   
   Elizabeth Betanco 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. That's amazing
  
 
     Posted on Google  
   
   Seth Monnett 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. So far so good Dylan has been great to work with
  
 
     Posted on Google  
   
   Jesse Briggs 
 15 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Edwin was amazing did whatever he could to help me out anyway that I needed it. highly recommend

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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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