USDA Loan

A USDA Home Loan is a government-backed program designed to promote homeownership in rural and qualifying suburban areas. With zero down payment and low interest rates, it is one of the most affordable ways to buy a home.

• Zero Down Payment – 100% financing for eligible areas
• Low Fixed Interest Rates – Designed to keep payments affordable
• Flexible Credit Guidelines – Ideal for first-time or moderate-income buyers
• Reduced Mortgage Insurance Costs – Typically lower than FHA
• Available for Single-Family Homes Only – Ensures stable, affordable housing
   

A USDA loan may be the right fit if you:

• Want to buy in a rural or suburban USDA-eligible area
• Have a moderate or low income based on your county
• Prefer a zero down payment option
• Want lower monthly payments than FHA or conventional alternatives
• Are purchasing a primary residence
   

Hickson Lending can help you confirm property eligibility, meet income guidelines, and secure smooth, affordable USDA financing.