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    • Home
    • Why Align?
    • First Time Buyer
    • Joint Venture
    • Apply now
    • Products
      • Conventional Loans
      • FHA Loans
      • VA Loans
      • USDA Loans
      • Jumbo Loans
      • Cash-Out Refinances
    • Contact Us
    • About
      • Testimonials
      • FAQs
      • About
      • Careers
  • Home
  • Why Align?
  • First Time Buyer
  • Joint Venture
  • Apply now
  • Products
    • Conventional Loans
    • FHA Loans
    • VA Loans
    • USDA Loans
    • Jumbo Loans
    • Cash-Out Refinances
  • Contact Us
  • About
    • Testimonials
    • FAQs
    • About
    • Careers

USDA Mortgages

Discover zero-down-payment home loans for rural homeowners and locations that don’t qualify for a traditional mortgage.  

What is a USDA Loan?

A USDA home loan is associated with the United States Department of Agriculture’s (USDA) loan program to help low-to-moderate-income families secure a mortgage in rural areas. The USDA provides three core mortgage programs: USDA Direct loans, USDA loan guarantees, and USDA Home Improvement loans.

Apply Now

Benefits of Applying for a USDA Loan

Benefits of Applying for a USDA Loan

Benefits of Applying for a USDA Loan

If you live in a rural location, USDA loans help make purchasing a home more affordable with benefits like:


  • No downpayment
  • Lower interest rates and monthly mortgage insurance
  • Flexible credit requirements
  • Closing cost assistance programs

Qualifying for a USDA Mortgage

Benefits of Applying for a USDA Loan

Benefits of Applying for a USDA Loan

If you prefer pastures instead of pavements and don’t qualify for a traditional mortgage due to your income limit or credit history, a USDA loan might be right for you. Here’s how: 


  • 640+ credit score to qualify for the USDA underwriting system
  • US citizenship and living in a rural location with a population of fewer than 35,000 people
  • Verifiable employment history from the past two years
  • An acceptable credit history with no accounts converted to collection within 12 months
  • A monthly payment that’s 29% of your monthly income

Getting Started with Align Lending

 Ready to purchase or refinance your home? Apply today with Align Lending to learn more about your options! 

Apply Now

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