USDA Loans

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USDA Rural Development Loans are insured by and underwritten to guidelines set forth by the US Department of Agriculture.

The loan program was designed to help populate the sparsest areas of the country by offering 0% down payment mortgage financing. Don’t be fooled by the rural development name, these loans don’t require you to buy a farm and large amount of land. Instead they are used to buy single family homes in small towns and rural locations.

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Choose Your Option.

PURCHASE REFINANCE REFINANCE CASH-OUT

Who can get a USDA Loan?

USDA loans require that you buy a single family home as your primary residence in an eligible area and your household income is below their limit for the county where the home is located. Also, you’ll need a minimum 640 credit score and maximum debt to income ratio of 41% (exceptions made up to 46% with compensating factors). The interest rate and closing cost structure of USDA loans are best suited for clients with low to moderate income interested in buying a home in an eligible area with no money down.



Benefits of USDA Loan:

  • Best 0% down payment loan available to non-Veterans

  • Purchase and Refinance loans available for Primary Residences (Refinance loans only available to current USDA mortgage loan holders)

  • Streamline refinance available for fast and easy way to reduce your interest rate/payment with no appraisal and little or no closing costs

  • Lower down payment and mortgage insurance premiums than FHA Loans

  • Clients with a previous bankruptcy can qualify 3 years after discharge

  • Clients with a previous foreclosure can qualify 3 years after Sheriff’s Deed Transfer

USDA Home Loans: A perfect choice for rural areas

The dream of homeownership can feel out of reach when you're facing the challenge of saving for a substantial down payment. Conventional mortgages require a minimum of 3-5% down —that's $9,000 to $15,000 on a $300,000 home. This massive barrier keeps qualified families trapped in endless rent cycles, unable to build wealth or put down roots.

USDA home loans eliminate this obstacle completely. With zero down payment required and competitive rates, you could stop renting and start building equity today.

Your Zero-Down Solution Starts Here

Imagine moving into your own home without depleting your savings account. While others spend years watching prices climb as they save for a down payment, USDA loan recipients are already building equity. That's your money working for you, not enriching a landlord.

At Educated Mortgage, we specialize in helping families navigate the USDA loan process with expert guidance every step of the way.



Why USDA Loans Transform Lives

These government-backed mortgages offer benefits traditional financing simply can't match:


  • 100% financing with competitive interest rates

  • Income-based qualification designed for working families

  • Lower mortgage insurance than other zero-down programs

  • Available in 97% of U.S. locations - including suburban communities

  • Flexible credit requirements that work with your situation

Keep Your Savings Where They Belong

Skip the down payment and keep your hard-earned money for what matters—emergency funds, home furnishings, or unexpected expenses. You'll build home equity from day one while maintaining financial flexibility.



Take the First Step Today

Not sure if you qualify? Wonder if your dream home is in an eligible area? Our free mortgage analysis provides clarity in minutes.

The Educated Mortgage team has helped countless families unlock USDA financing opportunities they didn't know existed. We'll review your unique situation, explain your options in plain English, and guide you through every detail of the process.

Ready to Stop Renting and Start Owning?

Contact us today for your free consultation. Our mortgage experts will show you exactly how USDA financing can make homeownership possible. Even if you thought it was years away.

Don't let another month of rent slip through your fingers. Discover how USDA home loans and expert guidance from Educated Mortgage can turn your homeownership dreams into reality.

Helping First-Time Home Buyers & Homeowners Across Wisconsin

At Educated Mortgage Services, we provide expert mortgage solutions for first-time home buyers and all home purchasers across Wisconsin. Whether you’re looking for a low down payment option through WHEDA’s first-time home buyer programs or a conventional loan, we offer tailored financing solutions to meet your needs.

WHEDA loans provide affordable pathways to homeownership with down payment assistance and competitive rates, making it easier for first-time buyers to transition from renting to owning. Additionally, we offer conventional, FHA, VA, and jumbo loan options for those looking to refinance or purchase a new home.