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LOW MONTHLY MORTGAGE INSURANCE

USDA Home Loans require low monthly mortgage insurance payments providing borrowers with fantastic home affordability options.

NO DOWN PAYMENT

The USDA Guaranteed loan program provides one of the most affordable loan programs for qualifying borrowers because there is no downpayment required for a purchase or a refinancing home loan.

LOW INTEREST RATES

USDA Home Loans offer qualified borrowers low-interest rates. Low-interest rates paired with no down payments make USDA Loans one of the most affordable loan options.

USDA Loan Eligibility

Rural Housing Loans are now easier to qualify for and are a financially secure option for any homeowner. Financing depends on two factors and has some limitations, including the home's location and the total combined income of the household.

USDA Loan Types

USDA HOME PURCHASE

If you are looking to buy in a rural community your first home or looking to move up, the USDA Home Purchase can give you access to purchase a home with no down payment and a low fixed mortgage interest rate.

USDA REFINANCE

If you bought your home through a USDA home purchase program, you are eligible for a USDA home streamline refinance. Lower your interest rate & lower your monthly mortgage payment.

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Have Questions?

If you have questions about loan types and what would be right for you, please fill out the form and one of our loan officers will reach out shortly!

I called RANLife last year to learn about the various refinance programs they have and USDA mortgages. My husband was very stubborn and did not want to refinance at the time.. He opened my husbands' eyes about consolidating with a refinance and it lowered our monthly payments by a thousand dollars. The Refinance process was only a few weeks and it was all done electronically with only the Notary coming to visit. Thank you, RANLIfe.

Karen S.
USDA Mortgage & Refinance

Thanks to RANLife Home Loans I was able to buy out my siblings and purchase the home that belonged to my parents. My mother died before changing her will, but she wanted me to make sure that no one else obtained her home in my lifetime. My loan officer, Kristi Behrens, was amazing. She is the sole reason that I am now a first-time homeowner at the age of 66. She walked me through the entire process step by step. She found answers and solutions when I didn't think there were any. Thank you, Kristi and RANLife!! I will forever recommend you to anyone and everyone

Judy Richard
1st Time Home Buyer