The USDA Rural Housing Service has various programs available to aid low to moderate income rural residents to purchase, construct, repair, or relocate a dwelling and related facilities. USDA rural housing loan programs allow qualified homebuyers to get loans with minimal closing costs and no down payment. Property must be in an eligible area for the USDA Loan Program.


  • No down payment requirement
  • Low interest rates
  • Applicants with a wide range of credit profiles
  • Income eligible applicants who do not qualify for conventional financing
  • Families & individuals that have minimal funds for a down payment and closing costs
  • Includes First Time Homebuyers
  • Seller Concessions (6% Max)
  • No cash reserve requirement
  • No First-time Homebuyer Requirement
  • 30 Year Loan at Competitive Fixed Rate
  • No Limit on Gift Funds


  • Property must be in very good condition and have a high insulation R-factor
  • You cannot make over 50% of 115% of the median county income to qualify
  • Must be able to verify income limits
Get Pre-Qualified

Made My House-Buying Experience Great

I used Derek and his company when I purchased a condo on the Las Vegas strip. Everyone said that banks were giving a hard time for people looking for a loan for this building. However, Derek personally called me and walked me through the process, and assured me that I would be able to get the loan. Within 30 days, we not only got the loan but closed escrow. I highly recommend Derek and his team!

Pathjoel from 89158

We are loyal to Derek Parent and his team

Derek is always a pleasure to work with. I’ve known him for several years now and anyone that I know of that is looking to purchase a property I always refer them to Derek. He takes the time to answer questions and really cares about his clients. It’s nice that he stayed in touch with us long after we’ve purchased our properties going through him and his team.

highrisecondoinvestor from 89109

Great Experience, Always on Top of Things, Great Communication

They were always responsive to my needs and allowed for a smooth process. All of the processing took place in a timely manor and there were no hold ups on their end. I would highly recommend this group to anyone in need of a mortgage.

matt kinzer09 from 89128