USDA Loans

$0 down home purchase program for buyers in eligible rural areas.

APPLY NOW

Question:

Question:

Looking to purchase or refinance a home in an eligible rural area and want access to 100% financing?

CONSIDER A USDA LOAN

USDA Home Loans are affordable and backed by the federal government. Best of all, they don’t require a down payment! Qualified program participants must purchase a home in an eligible rural area, as defined by the U.S. Department of Agriculture, and have a household income that does not exceed the established limits where the home is located.

QUICK
FACTS

Minimum Credit Score:

620

Minimum Down Payment:

0%

Max Debt-to-Income:

41%

Max Loan Amount:

$548,250

Available for:      Primary Residences    

QUICK
FACTS

Minimum Credit Score:

620

Minimum Down Payment:

0%

Max Debt-to-Income:

41%

Max Loan Amount:

$548,250

Available for:

  Primary Residences

TYPES OF USDA LOANS

USDA loans are available as a fixed-rate mortgage for either purchase of a home or refinancing an existing USDA loan. Select one of the options below to get more details for your loan purpose.

Amortization Options:

USDA Refinance Loan

Easily refinance your existing USDA loan to a lower rate with a USDA refinance.

Learn More

USDA Purchase Loan

Purchase a home with $0 down and easier qualification factors in an eligible rural area.

Learn More

CALCULATE YOUR USDA PAYMENT

Fancy yourself a mathematician? Check out our USDA mortgage calculator. But don’t get too excited – consult with one of our mortgage experts to see if you qualify!

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Is a USDA Loan Right for You?

Fill out this questionnaire to see if we can help you achieve your homeownership goals with a USDA Loan.

Get Started

– or –

CALL US NOW           801.810.6503       OR GET IN TOUCH ONLINE       
CONTACT US

– or –

CALL US NOW

   801.810.6503

GET IN TOUCH ONLINE

CONTACT US

USDA Home Loans are available in the following States: All States

Why Choose at Northpointe Bank?

The answer is clear:

More Options. Better Pricing. Period.

Join the many satisfied Utahns who’ve gotten their mortgage loan for their dream home through Team 101 at Northpointe Bank.

Rated 4.9 out of 5

Rated 4.9 out of 5

Based on 437 customer reviews

Based on 437 customer reviews