USDA
Home Loans

Who can benefit from a USDA loan?

Loan Program Details

No down payment* is required on these loans. You can go up to 100% financing* and you can finance closing costs into the loan as well as long as the property appraises for enough.
The seller concession is limited up to 6% of the sales price.
Finance closing costs, if market value is sufficient
Gifts permitted for closing costs
Not limited to first time home buyers
Homes must be located in an eligible area as defined by the USDA
Borrowers must meet income limits
Borrower must not own any other properties (call us for exceptions)
Low annual annualized monthly guarantee fee keeps monthly payments lower than loans with traditional mortgage insurance

*100% LTV of the appraised value plus the guarantee fee.

Mortgages Made SIMPLE

Get Pre-Qualified Today!

Start the loan application and get pre-qualified today.

What Our Clients Say

Trusted by Many, Loved by All

Absolutely wonderful to work with. We have bought 2 houses using Travis as our broker and both times everything went very smoothly and we were even able to close earlier than expected. Would 100% recommend working with him!

Rebekah Woolery

TRAVIS Bell, Is my loan originator. As a realtor, i always need a lender i can trust to get the job done and do it fast! My clients need to be able to contact to get thru the tough stuff! Thanks Travis! Great job!

Ida Lambrecht

Worked with Travis for home loan and was amazing to work with.answered any questions I had during the process and got me a interest rate lower than the going rate currently. Made the process easy for him to get me approved quicker with all paperwork he needed when asked.he does work and gets you the best deal

Travis Allen

Travis was a true pleasure to work with. I appreciated his no nonsense approach to getting my loan done. It was so much easier than I thought it would be thanks to Travis. I would highly recommend anyone looking to purchase a home to reach out to Travis Bell and his great team.

Michael George

I knew exactly what was happening at all times. The whole process was painless and everyone I worked with were thoughtful and professional. We love our new home and highly recommend working with Travis and his team.

Tim Caldwell

Wonderful mortgage loan officer. Kept us updated throughout the process, answered all questions, returned phone calls or answered text messages quickly. Travis made this mortgage experience very pleasant, easy and fast. Thank you Travis Bell! You are the greatest!