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    • Bag with Dollar Sign

      100% financing available

    • Hand Holding Dollar Sign

      Eligible closing costs may be financed

    • Gift icon

      Use gifts, grant money or seller contribution for closing

    • Stack of Money

      Minimum cash to close

  • Encouraging Land Development and Growth:

    A USDA Home Loan is a mortgage program offered by the U.S. Department of Agriculture, which is designed to assist homebuyers without adequate housing and with low-to-average income for their area. This program helps these homebuyers afford hosing with low-to-no down payment and reduced mortgage insurance premiums. This program is ideal for those who reside in qualifying rural or suburban areas.

    Qualifying for a USDA Guaranteed Rural Housing Loan:

    Program guidelines for this type of loan are very specific. We can assist you in navigating through the process to determine your eligibility.

    Key Features:

    • 100% financing available
    • Minimum cash required to close the loan
    • Eligible closing costs may be financed into your monthly payment and paid over time
    • Gift or grant money and seller contributions are all permitted
  • Applying for a USDA Home Loan:

    Whether you would like to get pre-approved or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your cart. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Getting Prepared

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

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Notices & Disclosures
  • All loan products are subject to underwriting/credit approval.
  • FNB is an Equal Housing Lender; NMLS #766529.

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