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The USDA mortgage program is for homes located in rural areas, including open country and places with a population of 10,000 or less. This program offers fully-amortizing, fixed-rate mortgage financing and is guaranteed by the U.S. government.
When you apply for a mortgage backed by the United States Department of Agriculture (USDA), you'll still want to determine how much you can afford on a monthly basis and shop for competitive interest rates, just as any potential homeowner would.
USDA mortgages offer lower down payments, more favorable qualifying criteria, and options for those with less-than-perfect credit or no formal credit history.
A Flagstar Bank lending expert can help you select the right loan and terms for your situation. Call a mortgage specialist at (855) 372-5626.
After you close on your new loan, you can check your balance and make your payment online through our MyLoans system.
A lending expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.
The Guaranteed Rural Housing (GRH) offers fixed-rate mortgage financing guaranteed by the U.S. government through USDA Rural Development. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice. Refinances permitted only for existing GRH loans.