USDA Home Loans

Get Up to 100% Financing

An affordable, zero money down mortgage option for homes in USDA-approved rural and suburban areas.

No down payment required
Competitive, fixed interest rates
Credit guidelines may be more lenient
Seller-paid closing costs may be permitted

Questions? Call Alicia: (757) 755-0206

Fast, Simple Process

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Low Down Payment

USDA Home Loans

Home buyers and homeowners in search of an affordable, zero money down mortgage option may want to consider a USDA Loan. With a USDA Rural Housing Loan, eligible borrowers can take advantage of up to 100% financing for the purchase of a home in a qualified area.

To be eligible for USDA financing, both borrowers and the property itself must meet certain criteria. Because USDA Loans were designed to help increase access to homeownership in less developed areas, they are only available to homes located in USDA-approved zones.

Apply Now Call (757) 755-0206

Program Highlights

Why Consider a USDA Mortgage?

Up to 100% financing (no down payment required)
Competitive, fixed interest rates
Seller-paid closing costs may be permitted
Credit guidelines may be more lenient than conventional home financing
Upfront guarantee fee that may be financed into the loan
Can be used to refinance a mortgage into a lower interest rate

How It Works

Three Simple Steps

Tell us your goals

Fill out the quick form above or apply online — it only takes a few minutes.

We shop the market

As a wholesale broker, we compare USDA programs and rates across more than a dozen lenders.

We get you to closing

We work directly with underwriters and keep you informed every step of the way.

Compare all loan programs →

See If You Qualify for Zero Down

Tell us where you’re looking and we’ll help you find out if the home and your household qualify. It starts with a quick, free consultation.

Apply Now Call (757) 755-0206

USDA loans are available only for eligible properties in USDA-approved areas, are subject to household income limits and USDA guidelines, and carry upfront and annual guarantee fees. Merit Mortgage Group LLC (NMLS #2460866) is a mortgage broker, not a lender. Loans are made by third-party lenders; all credit decisions, rates, terms, and fees are set by the lender. Program availability and eligibility requirements vary by lender and borrower qualifications. This is not a commitment to lend or extend credit. View all disclaimers · NMLS Consumer Access

Merit Mortgage Group, LLC
1 Prestwick
Williamsburg, VA 23188

Phone: (757) 755-0206

Company NMLS #2460866
www.nmlsconsumeraccess.org

Disclaimers

Licensing

Licensed in
CA, CO, FL, GA, IA, ID, KS, OK, PA, SC, TX and VA

Equal Housing Opportunity