St. Louis Metro Area USDA Loans

When it comes to home loans, there are a lot of options out there. But if you’re looking for a mortgage company to help guide you in the right direction there’s no better company in the St. Louis metro area than USA Mortgage. We help you find the right USDA loans with competitive rates and flexible terms, so you can get the loan that’s right for you. Ready to find your possibility? Get started and apply today!

What is a USDA home loan?

A USDA home loan is a mortgage that is federally insured and made available by the United States Department of Agriculture (USDA). USDA home loans are often mistakenly confused with conventional or FHA mortgages, but there are actually several key differences between these loan types. USDA home loans are only available to eligible homeowners whose property meets USDA location and condition requirements. While St. Louis city and a majority of the area in St. Louis county are ineligible for a USDA loan, many rural parts of the metro area are obtainable.  Once approved, these loans can be used to purchase, build, or improve a primary residence. In addition, a USDA loan does not require a down payment, and they come with competitive interest rates. As a result, these loans can be an excellent option for eligible borrowers who are looking to purchase a home in a rural area.

Exterior of smaller home purchased on a USDA home loan.
Who is eligible for a USDA Loan in St. Louis?

To be eligible for a USDA loan in St. Louis, there are a few requirements that must be met. One, the home must be located on USDA location and condition-eligible property. Once that is confirmed, you must show that you have a consistent income of at least 24 months. Also, acceptable credit history is another must. Finally, U.S citizenship (or permanent residency) is also required for eligibility.

Why a USDA Home Loan?
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What our clients have said

Ease & ability to have a conversation - able to understand everything happening.
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Apply today to learn more about USDA Loans.

Ready to apply for a USDA loan in St. Louis? Our Mortgage Loan Originators at USA Mortgage are here to make possibility become a reality. We’ll make the conventional loan process easy and have you ready to move into your St. Louis home before you know it. So why wait? Apply now and see what rates we’ll provide for you.