What is a USDA Loan?

USDA Loans are backed by the U.S. Department of Agriculture and assist home buyers in rural or suburban areas to improve quality of life in these areas. To determine whether the home you’re seeking a mortgage for is eligible, please visit the USDA eligibility website or simply contact us and we can help.

USDA Loan Features

  • Lower interest rates are available for homes in specific areas
  • Upon qualifying, many USDA loans feature no down payment
  • Closing costs will still need to be paid
  • You need to meet certain maximum income requirements


As mentioned above, the location of the property is the first step. In addition, you’ll be required to meet specific income requirements and debt-to-income ratios. Contact us and we would be happy to explore the many options available.

Florida: 1990 Main Street Suite 750 Sarasota, FL. 34236 | (941) 867-6384

Colorado:100 Fillmore St 5th Floor Denver, CO. 80206 | | (720) 414-2962

The information provided by this site cannot be guaranteed in regards to your individual financial position by Mortgage - General. All examples are hypothetical for illustrative purposes only. For the most accurate and personalized results, we encourage you to seek advice from one of our qualified financial professionals.

Company NMLS# 2032360
Jacy - 2032901
Martin - 1890993

Equal Houseing Lender
JML Mortgage, LLC BBB Business Review