USDA
USDA Loans: 100% Financing for Rural & Suburban Homebuyers
Dreaming of owning a home outside the city without the stress of a big down payment? A USDA Loan could be your perfect solution. At Barry Lends, we specialize in helping eligible homebuyers take advantage of this powerful program—designed to support rural and suburban communities.
What Is a USDA Loan?
A USDA loan is a government-backed mortgage insured by the U.S. Department of Agriculture, offering 100% financing to eligible buyers in qualifying areas. This means no down payment is required—making it one of the most affordable ways to purchase a home.
Key benefits of USDA loans:
-
No down payment required
-
Low fixed interest rates
-
Reduced mortgage insurance costs
-
Flexible credit guidelines
-
Available for primary residences in eligible rural and suburban areas
Do You Qualify?
You may qualify for a USDA loan if:
-
The home is located in a USDA-eligible area (we’ll help you check!)
-
Your household income is within USDA limits based on your county and household size
-
You plan to use the home as your primary residence
-
You have a credit score of 640 or higher (exceptions may apply)
We’ll walk you through a quick eligibility check and help you determine if a USDA loan is your best path to homeownership.
Let’s Get Started
As your trusted advisor, we are here to guide you every step of the way. Licensed in multiple states and a national reputation for excellence.
We’re committed to transparent, compliant lending practices in accordance with state and federal regulations. All loan applications are subject to underwriting approval. Terms and conditions apply. All USDA loans are subject to underwriting approval, property eligibility, and income verification. Rates and terms may vary.
PRE-APPROVAL
Get in touch so we can start working together and get you Pre-Approved to find your dream property
