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Union State Bank
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| Access to fundsA USDA Rural Development Loan is a government-backed mortgage program designed to help eligible homebuyers purchase a primary residence in qualifying rural areas. For borrowers who meet income, property and other program requirements, USDA financing offers the opportunity to purchase a home with no down payment and competitive financing options. Flexible Credit Guidelines USDA loans offer flexible credit guidelines, which may provide financing opportunities for qualified borrowers who have limited credit histories or may not meet the requirements of some conventional loan programs. Income-Based Eligibility USDA loans are available to eligible first-time and repeat homebuyers. Qualification is based in part on household income , which must fall within USDA limits for the property's location and household size. Certain allowable deductions may be considered when determining eligible household income. No Down Payment Qualified borrowers may finance 100% of the home's eligible purchase price , eliminating the need for a traditional down payment. USDA loans include an upfront guarantee fee, which may generally be financed into the loan, as well as an annual fee that is typically paid monthly as part of the mortgage payment. Qualifying Properties The home must be located in a USDA-eligible area and used as the borrower's primary residence. While the program is commonly associated with rural communities, some properties located near smaller cities and suburban areas may also qualify. Contact a Union State Bank mortgage lender to learn more about USDA financing, property eligibility and whether this loan program may be right for you. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |