Contact Your USDA Mortgage Loan Specialist:

Get Qualified For the USDA Guaranteed Loan Program

    Free Consultation! No Obligation and No Personal Information Required.

    Start the home buying process now. Determine your USDA Loan eligibility and how much house you can afford.

    USDA Guaranteed Rural Home Loans in Maryland

    U.S. Department of Agriculture (USDA) Guaranteed Rural Loans are creating homeownership opportunities throughout USDA eligible areas in Maryland.  Unlike most loan programs, the USDA Loan doesn’t require a down payment.  And when the seller pays the buyers closing costs, the buyers cash-to-close is minimal.  Best of all, the USDA Loan program is available for first-time home buyers, previous homeowners, and move-up buyers.  Acceptable property types include single-family homes, townhomes, and even condominiums.  With the USDA Loan program saving up for a large down payment is no longer an obstacle toward homeownership.

    The USDA Rural Development Loan Program offers first time homebuyers and move-up buyers:

    • 100% Financed Mortgage, No Money Down, $0 Down Payment
    • USDA Loans Monthly Mortgage Insurance Premiums are 36% Lower Than A Comparable FHA Loan
    • Flexible Credit Requirements As low As A 580 Middle Credit Score
    • Safe, Secure 30 Year Fixed Rate Mortgage
    • No Maximum Loan Amount
    • With Seller Help, Minimal Out-Of-Pocket Closing Costs

    USDA Loan Programs

    $0 Down, 100% Loan Financed Home Purchase

    The USDA Loan program will allow you to purchase a single-family house, townhome, or condominium with no money down. Available for first-time home buyers, previous homeowners, and move-up buyers.

    Private Sale/For Sale By Owner

    Rent-To-Own, Lease-To-Own, Land Installment Contract, For Sale By Owner or FSBO. Purchase a house directly from the home seller with no money down and even no money out-of-pocket

    One-Time-Close Construction

    The USDA Loan program can be used to finance building your dream home, with no money down. This includes purchasing land (if necessary) and construction costs.

    Purchase and Renovation

    Obtain one loan, to purchase a house and include a repair escrow budget to finance minor non-safety related renovations work after the loan closes.


    Existing USDA Loan borrowers may refinance their current USDA Loan with no appraisal report required using the USDA Streamline Refinance Loan program.

    Manual Underwrite & Credit Score Down To 580

    Credit scores as low as 580 with GUS Refer underwriting finding may be acceptable if no 30 day late payments on the credit report within the last 12 months.


    USDA Mortgage Loan Calculators

    USDA Mortgage Loan Calculators
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