USDA Loans · 11 states
The USDA guaranteed loan program offers zero down payment financing in eligible areas. I explain how it works in the 11 states where I am licensed and how it compares with FHA, VA and conventional options.
Licensed in 11 states
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No-pressure advice
The Basics
USDA loans are backed by the U.S. Department of Agriculture to encourage homeownership in eligible rural and some suburban areas. They offer up to 100% financing for qualified, moderate-income buyers who will live in the home as a primary residence.
Eligibility depends on both the property address and your household income. Availability can vary by lender, so ask me whether USDA is a fit for your purchase today and how it compares with other programs.
Eligible buyers can finance up to 100% of the home's appraised value.
USDA charges an upfront guarantee fee and an annual fee, which are often lower than FHA mortgage insurance.
Household income must fall within limits for your county and household size, so check before you start house hunting.
The home must be your primary residence, sit in an eligible area and meet basic condition standards.
How It Works
01
We check that the property is in an eligible area and your household income fits the limit.
02
I review your credit and compare USDA with FHA, VA and conventional.
03
Complete your application and send documents through a secure portal.
04
The file goes through lender and USDA review. I keep you updated at each step.
Where I Lend
Eligible areas come from the USDA map, so we check every address before you write an offer.
Virginia
Large parts of Virginia outside the biggest metro areas can qualify, including many small towns and the areas around them.
Tennessee
Many Tennessee communities qualify. Eligible areas are set by the USDA map and can include communities near larger cities.
Georgia
Georgia has many eligible small towns and rural counties. We confirm each address on the USDA map first.
Common Questions
USDA publishes an eligibility map. Check the exact address before making an offer, because eligibility depends on the location.
Limits depend on your county and household size. I help you work out which household income counts toward the limit.
It depends. USDA can have lower fees than FHA, while VA is often stronger for eligible veterans. I compare them side by side.
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Next Step
Tell me the address or area you have in mind and I will tell you what is available. No pressure and no obligation.
Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.
