USDA Mortgage

Home lending for beautiful places out in the country.

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.

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USDA mortgage

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.

  • You may be interested in a USDA mortgage if you have less than 20% of the home value to contribute as a down payment or less than 20% equity in your current home
    • Purchase a new home with no down payment
    • The Guaranteed Rural Housing Loan is available in a fixed-rate mortgage for homes that are used as a primary residence located in rural areas
  • There are some income limitations on a USDA loan. Visit the USDA's website for an automated income eligibility calculator.
  • No prepayment penalty. You may pay some or all of your loan balance in advance without a penalty.

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.


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