Refinance
Purchase
Loan Options
Calculators
Mortgage Basics
Learn mortgage basics to better understand your home financing options.
Saving Money
Save more money by learning insider information on mortgages, rates, housing tips, and more.
Purchase
Our mortage consultants can guide you through the home buying journey.
Refinance
Refinancing could help you reach your goals faster. Get to know you options!
Market watch
Everything you need to know about the current housing and mortgage market.
Lifestyle
Stay up to date with the latest trends in home improvement, design, technology, and wellness.
Reverse mortgage
Let us guide you through reverse mortgage qualifications and benefits.
Who we are
Learn how we've grown to be one of the nation's most trusted lenders.
Reviews
Read our reviews from trusted sites and see why our customers see us as the best mortgage lender.
Give back
We're honored to give back to charities and help support the people and communities we serve.
Endorsers
Get to know the radio and television personalities who proudly endorse us.
Awards
We're recognized by local and national companies for our customer service and responsible lending.
Careers
Learn about our collaborative work culture and find open job positions.
Contact us
Contact a mortgage consultant for answers to you home purchase or refinancing questions.
Schedule appointment
Quickly and easily schedule an appointment with a mortgage consultant.
(800) 910-4055
Call
Text
Sign In
To protect our employees & community, our team is working virtually to help you. Read more about our COVID-19 efforts.

USDA Loans

We are temporarily unable to offer USDA loans.
4.7
4,900+ Google reviews
4.9
1,200+ Zillow reviews
5.0
1,200+ BBB reviews

To qualify, you need

  • Dependable income, typically two years' worth of steady employment
  • To be within the loan guarantee income limit for the county in which you live
  • To occupy the home as your primary residence

Advantages

  • No down payment
  • Flexible credit requirements
  • Competitive fixed interest rates
  • Low private mortgage insurance (PMI)
  • No maximum mortgage amount (amount is based on your income)
  • Finance 100% of home's appraised value

What you need to know

Again, location is key. The USDA website can help determine if the property you are interested in falls within a USDA eligible area. Be sure the property is a condo, manufactured home, unit development, or single family home.

While there are many benefits to enjoy, there are also fees involved, including an upfront mortgage insurance premium and an annual mortgage insurance fee. These fees are far less than what you'd pay in FHA mortgage insurance premiums, so it's a loan program that's definitely worth consideration.

Get started today. Make the call to (800) 910-4055, or complete the online application. Let our expert team guide you through your USDA loan.

Pre-qualify in 10 minutes
By submitting this form, I am providing express consent for American Financing to contact me, including through the use of an automated dialer, voice or text, at the number above, even if my telephone number is listed on any Do-Not-Call list. I understand that I do not have to consent to receive such calls or text messages in order to purchase goods or services from American Financing.

Home mortgage types

FHA Home Loans
VA Home Loans
15-Year Mortgage
30-Year Mortgage
Cash Out Refinance
CHFA Loans
Your Term, Your Mortgage
Adjustable Rate Mortgage
Custom Home Loans
Jumbo Loans
All In One Mortgage
Bank Statement Loans
USDA Loans
HARP Loans
Reverse Mortgage
Chat now