USDA Loans
The USDA loan is one of the most affordable paths to homeownership — with $0 down and low monthly payments,
ABOUT LOAN
What is a
USDA Loan?
The USDA loan is one of the most affordable paths to homeownership — with $0 down and low monthly payments, it’s perfect for those looking to buy in eligible rural or suburban areas.
Who is It Best For?
First-time homebuyers looking for $0 down payment options
Buyers in rural or suburban areas (not limited to farms)
Those with average or rebuilding credit
Low to moderate-income families who meet area income limits
BENEFITS
Benefits of USDA Loans
$0 Down Payment Required
Keep your savings, no need for a large upfront payment.
Low Fixed Interest Rates
Backed by the U.S. Department of Agriculture for long-term stability.
Flexible Credit Guidelines
Great for first-time homebuyers or those rebuilding credit.
Reduced Mortgage Insurance Costs
More affordable monthly payments compared to FHA or conventional.
Requirements
USDA
Loan Requirements
Income must be within 115% of the area’s median household income
Home must be in a USDA-approved location
Property must be your primary residence
U.S. citizenship or legal residency required
Steady income and a credit score around 640+ preferred
Loan Process
Overview
1:Get Pre-Approved
Start with a quick and easy pre-qualification.
2:Choose Your Home
Find the perfect home that meets your goals.
3:Submit Documents
We’ll help guide you through the paperwork.
4:Close Your loan
Sign, fund, and receive your keys!
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Valor Mortgage is powered by Encore Lending Group, LLC NMLS 1249911,
Christopher Armantrout Loan Officer NMLS 1210804
