USDA home loans · Small towns and suburbs

Make your home outside the city, with a loan built for it.

USDA loans are backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas, for households within the area’s income limits. Many eligible places are small towns and suburbs, not farmland.

Not sure the area is eligible? Your loan officer checks the address before you commit.

Two red barns on open farmland at sunset

What to know.

The essentials, in plain English.

Easier on your savings
USDA loans are designed for buyers with modest savings, so a small savings account doesn’t have to keep you renting.
Fees that often cost less than FHA’s
USDA’s upfront and annual guarantee fees take the place of mortgage insurance, often cost less than FHA’s, and the upfront fee can usually be added to the loan.
More places than you’d think
Eligible areas include many small towns and suburbs, not only farmland.
The address checked first
Your loan officer checks the address and your household’s income limit before you make an offer, so you shop where USDA works.

What happens after you press the button.

Your loan officer reaches out
Andrew reads what you send personally and gets in touch to talk it through.
What you’ll talk about
Where you want to live and who earns in your household, so the address and the income limit can be checked.
What to have handy
The area or address you’re considering, and a rough idea of your household’s income.
  1. A couple sitting together on the front steps of their brick home

    Who it fits

    Buyers with moderate household income who want to live in an eligible area.

    • First-time and repeat buyers
    • Households within the area’s income limit
    • Buyers purchasing a home to live in
    • Buyers looking in eligible small towns and suburbs
  2. A laptop and papers on a kitchen table in morning light

    What you’ll need

    Your loan officer confirms the list for your household.

    • Income documents for everyone in the household who earns
    • Recent pay stubs, W-2s and tax returns
    • Bank statements
    • The address or area you’re considering

Common questions

How do I know if a home is eligible?

USDA publishes a map of eligible areas, and your loan officer can check any address for you.

Is a USDA loan only for farms?

No. It is for homes to live in, and many eligible areas are small towns and suburbs.

USDA or FHA: which is right for me?

In an eligible area and within the income limit, USDA can ask for less down, and its fees often cost less than FHA’s mortgage insurance. FHA works anywhere and has no income limit. Compare both, with the full terms of each.

What are the income limits?

USDA sets a limit for each area by household size, and it counts the income of everyone in the household. Your loan officer can check the limit where you’re looking.

What is the USDA guarantee fee?

It takes the place of mortgage insurance: an upfront fee, which can usually be added to the loan, and an annual fee paid monthly.

Do I have to be a first-time buyer?

No. USDA loans are for buyers who will live in the home, and you usually can’t already own a suitable home nearby.

What credit do I need?

USDA doesn’t fix one score for every borrower, and lenders set their own guidelines. Your loan officer looks at your credit, income and debts together.

Will checking my options affect my credit?

Answering a few questions doesn’t check your credit. A credit check comes later, only with your permission, and your loan officer can explain how it may affect your score.

What if I don’t qualify?

If the area or your income falls outside USDA’s limits, your loan officer can show you FHA, conventional or down payment help instead.

What does a USDA loan cost?

Closing costs plus USDA’s upfront and annual guarantee fees. Your Loan Estimate lists every cost before you commit.

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“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

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Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

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John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

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Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

Find your place outside the city,
with the right loan behind it.

Pick the area, and Andrew checks it with you, address by address.

(619) 886-6985