USDA Rural Mortgage Loans |  Lendem Financial Apply Now

Home »‪(970) 445-4977

Apply Now Local Branches



USDA-Loans-100-Refi-No-Downpayment

USDA Loan: USDA Mortgage Rural Development Loan Apply Now

One of the best kept secrets in the home buying market is the USDA Loan. Don’t let the name fool you – its not just for properties in “uncivilized” America.

A USDA (also know as the Rural Development Guaranteed Housing Loan Program) home loan is a zero down-payment mortgage for eligible rural and suburban homebuyers.

Why choose a USDA Loan?

  • Other than the VA loan, which is strictly for Veterans, USDA is the only loan that offers 100% financing.
  • The USDA loan offers lower monthly mortgage insurance, netting a lower monthly payment.
  • Less strict underwriting guidelines, including options for low or no credit scores.
  • Alternative forms of credit may be used to qualify


Who may apply for this USDA Mortgage Loan Program?

usda_rural_development_thompson-kane-colorado-wisconsin-illinois-missouriAll Rural Home Loan Applicants must:

  • Agree to personally occupy the dwelling as their primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from federal programs
  • Demonstrate the willingness to meet credit obligations in a timely manner
  • Purchase a property that meets all program criteria

Follow this link to determine your property address’ eligibility | Determine income eligibility.

How do I get my rural home loan started?

Your first step is to reach one of our USDA certified Loan Officers. Call (970) 445-4977 or click to Apply Now and find out how easy it is to use or download our LF Smart Phone Home Loan App. From opening to close use your phone to take pictures of income, assets, and other documents with your phone, and upload them to us on the fly!

USDA Rural Mortgage Loans |  Lendem FinancialUSDA Rural Development Loans

USDA loans are primarily designed for the nation’s smaller, rural communities. The objective is to help such communities thrive, by making properties affordable for them. Contact Lendem Financialtoday and find out if your area qualifies as a designated rural areaunder the USDA program and if you can apply for a USDA loan today.

Apply Now

Questions about Lendem Financial mortgage loan options? Why you should think about using a mortgage broker vs a bank? Using a Mortgage Loan Officer that has access to all sources of lending institutiuons helps people get the best loan for their situation and offers all options on the market vs the programs at one bank. Call Todd Rubick of Lendem Financial and tell him why the bank said no... If your tax returns do not show your true income, or credit is less than perfect... Full service all source lending strategies will be offered for those that need them.