RHS Loan Programs:

The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.

RHS Loans are an attractive option because:

• Minimal closing cost
• Low or no down payment

RHS loans can be used toward the purchase and renovation of a previously owned home or a new construction. Families must be able to pay their monthly mortgage, homeowner's insurance and property taxes.

Find out if you qualify for an RHS Loan.

Find an RHS-approved lender. (LINK)

State and Housing Programs:

Many state, county and local government programs offer financing for qualifying low-to-moderate income families wishing to purchase their first home.

These programs typically offer:

• More relaxed qualifying guidelines
• Lower upfront fees
• Lower interest rate
• Fixed rate

Apply Now

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