What is a USDA Loan?

USDA is a government loan program that provides great loan benefits for home buyers purchasing in designated rural areas throughout the country.  USDA or the United States Department of Agriculture offers a 100% Financing through the Guaranteed Loan program.

USDA Loan Program Highlights

No Down Payment (100% Financing)

Financed Funding Fee (1%)

Lower Monthly Mortgage Insurance than FHA

Competitive Interest Rates

The following counties qualify Franklin, Granville, Vance, Johnston, Harnett and Warren for USDA Loans.  Please call and find out if the property you are interested in qualifies for a USDA home loan.  

NOTE there are household income restrictions. 

Homespire Mortgage underwrites loans according to the USDA Guidelines.  USDA issues the Final approval.



What Does This Mean?

  • We process, underwrite, close and fund USDA loans
  • We provide USDA pre-qualification upfront
  • We close loans quickly and efficiently

Call for more details and find out how much you can afford today.

USDA Mortgage Information Request

Please complete this form to get more information about the USDA Loan Program. Natalya or someone on her team will get back to you soon.

Contact Information
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