Update: Total Mortgage is still closing loans during the government shutdown.
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15-year fixed USDA

this loan is the mortgage industry’s best kept secret

21 Day Guarantee

We'll close your new purchase in 21 days or less or your first payment is on us*

the perfect loan for

rural and suburban bargain hunters

A 15-year fixed USDA loan has a lot of amazing perks, like more relaxed credit restrictions, down payments as low as 0%, and the opportunity to save thousands in interest thanks to the shorter term.

If you haven’t run across the USDA loan program in your mortgage search yet, we’re not surprised. Since this program is backed by The U.S. Department of Agriculture and designed to give the housing market a boost outside of cities, it caters to a just a fraction of American borrowers—making it less attractive to a lot of big banks. Despite the name, though, plenty of suburban areas qualify.

Happy Couple

Claim your slice of country (or not-so-country) living.

benefits

  • No down payment required
  • Reduced interest costs over the life of the loan
  • Low private mortgage insurance costs
  • Low credit scores accepted

requirements

  • You me be a U.S. citizen or qualified alien
  • You must have a credit score of at least 581
  • The property must be located in a designated “rural” area
  • Available for primary residences only

*Terms and conditions apply.

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