USDA

What is a USDA Home Loan?

With the USDA Guaranteed Rural Housing Loan program you have the opportunity to purchase a home in a designated rural area with no down payment. Contrary to the media myths and other sources there are special programs to allow folks to enter the opportunity of homeownership without a huge down payment and flexible credit requirements. One of the best-kept secrets available to millions of new homeowners is the USDA Rural Development home loan program.

USDA Rural Housing loans can be used to purchase a:

Primary single-family

Non-farm residence

Condos

Manufactured home

New construction

Property in a planned unit development (PUD)

Talk with us today about properties that are eligible for USDA Housing Loans.

How does this program work?

Financing a home with the USDA program is not much different than other home loans. Just less money needed to buy your first home. The process flow looks like this:

Pre-qualify with a USDA lender

Attend an in person or online homebuyer training

Obtain lender Pre-Approval

Find an eligible home

Final Lender Approval

USDA Guarantee review

Close on your loan

Move in and enjoy your new home

Is the USDA Program the best option for me?

USDA loans aren’t the right fit for every buyer, but for those first time and repeat buyers needing that extra help in achieving their homeownership goals it a great sound safe option.

Why you might want to consider a USDA Guaranteed Home Loan:

No down payment requirement – and flexibility to finance closing costs in many cases

No additional Down Payment Assistance (DPA) loans needed which have extra payments in the future

More lenient credit terms than conventional financing options

Lower total housing payment than other programs with less than 20% down

"My friends, family, and co-workers have made that big leap to homeownership, rates are at historic lows, prices are on the move back up, and I really want to stop renting and become a homeowner too, but by the time I could save up a big down payment all that will be over.

With regular living expenses I just can’t save up that 20% down I keep hearing is needed."

Testimonials

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Ross

Would recommend to anyone

A wonderful experience!
Rodney is absolutely wonderful to work with! The process was seamless, virtually stress free, and, with his help and guidance, we were able to close within 30 days, a full week earlier than the contract closing date. Communication was clear, prompt, and easy to understand and our interest rate and fees were much lower than anywhere else. We couldn’t recommend Rodney and Kwest Mortgage Group enough!

caitlinofort from Mount Pleasant, SC

terrysuber323 from Sumter, SC

The entire process went smoothly. I thoroughly enjoyed working with Rodney. He kept us informed throughout the entire process. And we were able to close in three weeks. The entire process was much more easier than other companies. I would highly recommend Rodney to family and friends.

Excellent Service

He was wonderful!
This is a follow-up review on the one just sent. I entered the wrong closing date. Rodney was efficient, professional and a pleasure to work with on my re-financing. He had done several closings for me during his time with SCBT in Orangeburg, SC, was always prompt and explained the process in simple terms that I could understood of what is a complicated process. There was nothing to make better during the re-financing from my dealings with Rodney!

dukesr96 from Santee, SC

Rodney was great during the process of purchasing our first home. He was always available by phone whenever we had questions. He always kept us informed about the status and the next steps.

Nicole T.

Extremely Helpful

Rodney was helpful, knowledgeable and took time I needed to explain the home buying process to me. I wasn’t exactly sure where I wanted to live, even if it would be in his work area, but he still spent time to get me started on preparing to get approved for a loan. I highly recommend working with him.

s1178587 from Johnson City, TN

Great experience
We had a good experience working with Rodney for the purchase of our first home. He explained everything to us and was always available by phone or email.

Nicole T from Lexington, SC

We were very concerned as the listing agents when we heard a mortgage company that we had never heard of was doing the loan for our listing. However, we certainly had that concern obliterated with the quick communication from the staff. Thanks so much for your hard work and professionalism on this loan!!

Coldwell Banker United Team

TREATED FROM START TO FINISH AS A PERSON AND NOT AS AN ACCOUNT NUMBER

I first became aware of Rodney from my older brother who purchased his residence after contacting Rodney. When it was time for me to use the equity in my property, my brother and friends strongly suggested that I only contact Rodney. Rodney explained my options and worked to keep the headaches out of the process. Rodney is there for the customer the entire process. The closing was simple. I have since returned to Rodney wi… Read more

crack310 from Saint Matthews, SC

Top Notch
He gave a step by step process to get this done. Great experience. KWEST and Rodney made us feel as if we were only one he was working with. Hope we do not need to move again,but if we do we will work with Rodney

ssmove from Orangeburg, SC