USDA

USDA
Affordable Financing for Rural + Suburban Living

Dreaming of a quiet home with space to grow? A USDA loan could help make it happen—with no down payment required and flexible credit guidelines.

What Is a USDA Loan?

Getting started is simple. Here’s how to make your move:

1. Talk with a GO Mortgage Loan Officer
   We’ll confirm your eligibility and walk you through what to expect.
2. Apply & Get Pre-Qualified
   We’ll help you gather your docs, get pre-qualified, and lock in your next steps.
3. Find an Eligible Home
   Shop confidently in USDA-approved areas—we’ll help you verify what qualifies.
4. Close with Confidence
   Enjoy the benefits of financing with flexible terms—no down payment required for qualified buyers.

How to Get a USDA Loan

Getting started is simple and fast. Here’s the game plan:

1. Talk with a GO Mortgage Loan Officer
We’ll walk you through how it works and help you figure out if it’s the right fit.

2. Apply & Get Pre-Qualified
Secure the financing you need to buy your new home now — no sale contingency needed.

3. Make Your Move
Find your perfect place and move in on your schedule.

4. Sell Your Old Home Later
List, stage, and sell once you’re out — giving you the chance to get top dollar.

The Financing Process

We keep it simple. We’ll guide you every step of the way. Here’s how USDA loans typically work:

• No down payment required for qualified buyers
• Reduced mortgage insurance costs compared to other loan types
• Fixed-rate terms with competitive interest rates
• Available for primary residences in eligible rural or suburban areas

Requirements to Meet

Don’t worry—we’ll walk you through all of it. To qualify for a USDA loan, you’ll generally need:

• Household income within USDA limits for your area
• A home located in an eligible USDA area
• U.S. citizenship or permanent residency
• Stable income and acceptable credit history
• Property used as your primary residence

Loan Benefits

✅ 0% Down
That’s right—no down payment required for eligible buyers.

✅ Lower Monthly Costs
Reduced insurance premiums mean lower monthly payments.

✅ Flexible Credit Requirements
USDA loans allow more buyers to qualify—even with limited credit history.

✅ Great for First-Time Buyers
You don’t have to be a first-timer—but if you are, this loan could be a game-changer.

✅ Buy in Quiet, Growing Areas
Live where you love—with more space and less stress.

USDA FAQs

Is a USDA loan only for farms?
Not at all! It’s for homes in eligible rural and suburban areas—often just outside major cities.

Can I use a USDA loan to build a new home?
Yes! Construction options may be available. Ask your loan officer for details.

How do I know if a home qualifies?
We’ll help you look up any address and make sure it’s in a USDA-eligible area.

What’s the income limit?
It depends on your location and household size. We’ll break it down for you upfront.

Is mortgage insurance required?
Yes—but it’s often lower than other government-backed loans.

Ready to Go Rural?

The home you want—and the loan to make it happen—might be closer than you think.

Let’s help you explore your USDA loan options and get you moving.

Disclosures

“USDA loans are backed by the U.S. Department of Agriculture and are available to eligible borrowers who meet specific income and location requirements. Not all applicants or properties will qualify. Your GO Mortgage loan officer can help you understand the guidelines and determine if a USDA loan is the right fit for you.”