Skip to content

USDA and RD Loans: Affordable Homeownership Made Possible

Are you dreaming of owning a home in a rural area? With no down payment, we help you turn that dream into a reality at Mortgage 1.

APPLY TODAY
TEAM WILSON

Why Choose USDA and RD Loans?

USDA and RDA Zero Down Payment

Zero Down Payment

One of the most attractive features of USDA and RD Loans is the ability to finance your home without a down payment. Homeownership should be within reach for everyone, regardless of their financial situation.

Affordable Financing for USDA and RD Loans

Affordable Financing

We understand the challenges individuals and families face in rural areas regarding homeownership. That's why we offer low-interest loans and flexible repayment terms to make your dream home more affordable than ever.

Reduced Private Mortgage Insurance (PMI) on USDA and RDA

Reduced Monthly Payments

Unlike conventional loans, USDA and RD Loans don't require Private Mortgage Insurance (PMI). Instead, PMI is replaced by an annual fee that is dependent on a small percentage of the loan's balance. This can save you thousands of dollars over the life of the loan.

Flexible USDA and RDA Credit Requirements

Flexible Credit Requirements

We understand that credit histories can vary, and we strive to help as many individuals and families as possible. Our flexible credit requirements give you a better chance of securing a loan, even if you have had some financial challenges.

Wide Range of Eligible USDA and RDA Properties

Wide Range of Eligible Properties

Whether you're looking for a single-family home, a condominium, or even a new construction, USDA and RD Loans cover many property types.

Dedicated USDA and RDA Mortgage Support Staff

Dedicated Support

Our team of experienced loan specialists is here to guide you through the entire loan process, from application to closing. We understand the unique requirements of USDA and RD Loans and will provide you with the personalized assistance you need at every step.

TESTIMONIALS

What People Say About Us

I have known Michelle professionally for 5 years. I consider her one of the most organized, detailed, motivated and competent people I have had the pleasure of meeting. She is extremely passionate about her work and her customers, and manages to find time to focus on issues dogmatically until they are resolved.

John Saieg

Michelle is a top notch lender with a strong ability to make lending more understandable to her customers. She takes the time to educate and listen to her customer's situation before recommending a loan product or several that they may want to consider. She delivers as promised and often beats the rates of the competition. I regularly recommend Michelle to my clients and customers.

Tim Haggerty

Michelle and her Team provided excellent service and guidance in every step of the home buying process. At the closing it was very clear that Michelle and her Team are highly regarded in the real estate business and that played a huge part in my bid being accepted. Her reputation was a huge advantage for a perspective home buyer in this tough buyer market!

Joy Mavigla

Michelle was absolutely wonderful to work with! After a miserable experience with Quicken Loans back in March, we decided to try the Mortgage 1 office down the street from our home that we purchased. Michelle and her team simplified the process, helped us get our ducks in a row, and had us at the closing table earlier than anticipated! If you’re unsure of who should be helping you with your mortgage needs, RUN, don’t walk, to Michelle’s office!

Timothy Peacock
Have a question?

Contact Us

Whether you are first time homebuyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.