USDA Loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchaseĀ  a home.


  • Applicants must have low to very low incomes. Very low income is defined as below 50% of the area median income; low income is between 50% and 80% of the area median income; moderate is 80% to 100% of the area median income.
  • Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance, which are usually 24% of an applicantā€™s income. Applicants must be unable to obtain credit elsewhere, yet have reasonable credit histories.
You have been incredible to work with! I appreciate not only your quick turnaround, but also your constant communication. Frank Pyles