USDA (Rural Housing) Loan

Country Living With No Down Payment

Whether you’re looking for more space or a little peace and quiet, our USDA Rural Development program can help you buy a home that fits your dreams.


Your lungs won’t be the only ones thanking you, either. With this loan, your bank account can breathe easy with 100 percent financing* and flexible credit guidelines.

Rural Land in Colorado with Farm and Fence

USDA Program Features

  • No down payment required*​

  • Minimum credit score of 620

  • Lower mortgage insurance fees than Conventional or FHA

  • Ideal for low and moderate-income households

  • 15-year and 30-year fixed mortgage interest rates

  • Financing for existing homes, new construction, or foreclosures

  • Income flexibilities for homes in USDA-eligible areas

*Closing costs and fees may still apply.

Security First Financial is here to answer any questions you have.

We can help you understand more about:
  • Home loan programs
  • Current mortgage rates
  • The home loan process
  • What you'll need for your application
  • What to expect after you complete your application

Apply for a USDA Loan Online

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Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Colorado – Regulated by the Division of Real Estate, UCCC #987701-016. Arizona – Arizona Department of Financial Institutions 0902614. Massachusetts – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Florida - Florida Office of Financial Regulation MLD646. Texas - This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. 

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Primary Residential Mortgage, Inc. is licensed under the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking through one of the means indicated below: In Person or U.S mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294, Telephone No. (877) 276-5554, Fax No: (512)475-1313 Email: consumer.complaints@dob.texas.gov Website: www.dob.texas.gov

Consumers wishing to file a complaint against a mortgage banker or licensed mortgage banker residential loan originator should complete and send a complaint form to the TX department of savings and mortgage lending, 2601 North Lamar Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery find must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

 

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