USDA Loans Logo

USDA Loans

star star star star star
8 User Reviews
error This company may not service all states.
See states serviced
LAST UPDATED: June 7th, 2022

USDAloans.com is a lender-borrower matching service that makes it easy for you to find the best lender with a USDA loan. With USDAloans.com you can get matched with a lender if you are looking to either purchase a new home or refinance an existing home.

USDAloans.com is one of the few lender-borrower matching services that offers an exclusive USDA loans matching tool, making their service tailored to your specific USDA loan needs.

To see what others have said about their experience, check out the USDAloans.com reviews below.

Top Ranked Companies

thumb_up

The Good

  • Detailed Matching Service
  • Great for First-Time Homebuyers
  • Down Payment Option for $0

Detailed Matching Service

USDAloans.com is able to match borrowers with the best USDA lenders through its in-depth matching processes. Potential consumers are asked a series of questions to inform the most ideal lender recommendations. Some of the questions may ask you about:

  • Location
  • Estimated home price
  • Desired home types
  • Desired home use
  • First-time homebuyer
  • Desired move-in date
  • U.S. military relations
  • Desired down payment
  • Employment status
  • Annual income
  • Recent bankruptcy
  • Credit score
  • Real estate agent

Once the form is complete, a lender will reach out with personalized recommendations via phone or email to present your best USDA loan options.

Great for First-Time Homebuyers

USDAloans.com caters to those that do not know much about USDA loans, such as first-time homebuyers. It offers a wide variety of online resources and education to make the loan process as easy to understand as possible. For example, on the USDAloans.com website it will walk you through the 10 exact steps that you need to take in order to feel confident applying for a loan. It also makes it easy for you to find the USDA income limit in your desired area so that you have a better idea if you qualify for a USDA loan or not.

In addition to the step-by-step online education, it also offers a free online USDA mortgage calculator. This calculator takes into account six different factors that can potentially affect your interest rate and monthly mortgage payment. Most calculators only take into account a couple factors, making USDAloans.com a great option for those that want the most accurate loan estimate.

Down Payment Option for $0

USDAloans.com goes the extra mile to see if you are eligible for a $0 down payment in both rural and suburban areas. You do not need to do anything extra to see if you qualify. Simply take the lender-borrower loan matching questionnaire and you’ll be sent a $0 down payment offer if you meet all the eligibility requirements.

Not all lenders offer this option, making it advantageous for you to check if you qualify for any $0 down payment offers through USDAloans.com simple matching service.

thumb_down

The Bad

  • Not Available Nationwide 

Not Available Nationwide

USDAloans.com is available across the country, except for residents in New York. If you are wanting a USDA loan for a house in New York you’ll need to check out another option.

gavel

The Bottom Line

If you are looking for a USDA purchase or refinance loan then USDAloans.com is a great place to get customized loan recommendations. First-time home buyers will especially benefit from all the free tools and resources. 

Also, If you are hoping to get a loan with a $0 down payment, USDAloans.com’s matching service is a quick way to see if you are eligible. To see what others have said about their experience, check out the USDAloans.com reviews below.

View Best Mortgage Lenders

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

4.8

star star star star star

8 Reviews

Review Breakdown

5 grade

75%

4 grade

25%

3 grade

0%

2 grade

0%

1 grade

0%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Verified Customer

check_circle

Review Source

star star star star star

Todd Schroeder Traverse City, MI

I never knew about rural USDA loans, or that my wife and I could qualify. I learned about them while talking to a dental assistant at a routine cleaning. Without this loan, I'm not sure my wife and I would ever have been able to get into a home. We had great credit, but never any savings. It's been an issue that's loomed over us for years. With this loan, we were able to move into a home we otherwise could not have afforded. I did still find that closing costs forced us to pull some money from our 401K, which I was extremely hesitant to do, but after renting for 18 years I was just tired and ready to get into a home. For those pursing a USDA loan, know that you will most likely still be responsible for these closing costs. My wife and I are both nearly 40. Without savings, we did not think home ownership was possible. With this loan, our current mortgage payments, which include home insurance and property tax, are about $215 cheaper than our monthly rent was prior to purchase. Knowing a mortgage would be the same as/or cheaper than our rent was what made renting so frustrating. It's been a bumpy road, with so much money going to interest, fees, and God knows what else, but we are just grateful to finally have a place of our own to call home.

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Aaron Crawford Huntland, TN

Worked with Melissa J. She was firstly super helpful and knowledgeable of the process. Secondly pretty easy to get a hold of, which is a bit of an issue with other companies I tried to work with. And thirdly kind and patient during the whole effort. They also got me a better mortgage than my prior contacts! Buying a home is no joke, but if my experience translated to yours you may laugh at the end of it all due to the ease of working with Neighbor's Bank.

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Donald Mejia Spencer, MA

Excellent attention to detail. Simple and easy application process Closed on time.

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

David Massanga

Absolutely fair and helpful. My loan officer was very helpful during the process. She is the best!

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Ronnie Morgan

Smooth easy process, everything was online, friendly, helpful, patient.

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star_border

Green Epping, NH

Helped me at every hurdle. Many issues arose and i was never in the dark

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Mike H Arlington, TN

Great communication and support through whole process

1 year ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star_border

Joe Freeman

Clearly explained very helpful and trustworthy and inexpensive

1 year ago