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USDA Loans

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LAST UPDATED: September 1st, 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.

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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.

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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.

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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.

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4.8

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9 Reviews

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