Not just farms. Check the address before you rule it out.
USDA loans across Virginia, North Carolina, Maryland, Washington DC and Florida, from our office in Fulton, Maryland.
USDA covers far more of Virginia and North Carolina than people expect, including commuter towns that feel anything but rural.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
USDA is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | |
|---|---|---|
| You are buying outside a city | Eligibility is drawn by area, and the boundaries are wider than the word rural suggests | All purchase loans |
| The deposit is what is stopping you | USDA is one of very few routes built to remove that barrier for buyers who qualify | Down payment help |
| Your household income is modest | Unusually, USDA has an upper income limit rather than a lower one | Talk to us |
| You are buying in rural North Carolina or Virginia | Two of the strongest USDA markets in our footprint | Where we Lend |
| A bank told you the area does not qualify | Boundaries are redrawn periodically and plenty of people are working from an old map | Talk to us |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a USDA file needs
An eligible address
This is the first check, not the last. We run it before you get attached to a house.
Household income inside the cap
USDA is aimed at moderate incomes, and the cap varies by county and household size.
A credit history the lender can read
The requirements are reasonable, though individual lenders add their own on top.
A home you will live in
USDA is for a primary residence. It cannot be used for a rental or a second home.
A property in sound condition
The home has to meet condition standards, so fixer-uppers are usually the wrong fit.
Patience with timing
USDA files pass through an extra step. Build a little more time into your contract.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
The map decides, not the postcode
Two houses on the same road can fall on opposite sides of an eligibility line. Always check the specific address.
There is an income ceiling
Earning too much disqualifies you, which surprises people who assume mortgage programs only ever work the other way.
It takes a little longer
The extra step in the process is worth planning for rather than discovering two weeks before closing.
Nadeem Bhatti
Where we place USDA loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about USDA loans
Do I have to buy a farm?
No. USDA eligibility is drawn by area, and it takes in a great many ordinary towns and suburbs, particularly across Virginia and North Carolina.
How do I know if my address qualifies?
We check it for you before you make an offer. It takes minutes and it is the first thing worth knowing.
Is there an income limit?
Yes, and it is one of the few programs where earning more can disqualify you. The limit varies by county and household size.
Can I use USDA for a rental?
No. It is for a home you will live in. For a rental, a DSCR loan is normally the right route.
How long does it take?
Slightly longer than a conventional or FHA purchase because of an extra step in the process. Write the longer timeline into your contract.
Check whether your address qualifies
Send us the property address. We will tell you whether USDA is on the table before you make an offer, free.