USDA Loans —
$0 Down Payment in Eligible Areas
100% financing for eligible rural and suburban properties. No down payment. Lower MI than FHA. More areas qualify than you think.
The Most Underused Program in Mortgage Lending
USDA loans are the best-kept secret in residential mortgage lending. Zero down payment. No hard loan limit. Lower mortgage insurance than FHA. And a Streamline Refinance option when rates drop. For buyers in eligible areas USDA should almost always be the first program we look at.
100% financing for eligible borrowers in eligible areas. No down payment required at all.
USDA annual MIP is significantly lower than FHA MIP — saving buyers hundreds per year.
Unlike FHA and conventional, USDA has no hard purchase price cap — based on income and ability to repay.
USDA Streamline Refinance lets you lower your rate with minimal paperwork and no appraisal in most cases.
Sellers can contribute toward closing costs — making it possible to close with little to nothing out of pocket.
Many suburban communities around Baton Rouge, Jackson, and across Mississippi and Louisiana fall within USDA zones.
Eligible Markets Across Louisiana & Mississippi
USDA eligibility is based on property location and household income. I've closed USDA loans in Denham Springs, Louisiana and Richland, Mississippi. Send me an address and I'll check it immediately — no obligation, no credit pull.
This is not an exhaustive list. The only way to know for certain is to check your specific address — I'll do that for you at no cost.
Frequently Asked Questions
How do I know if my property qualifies for USDA?
Is there an income limit for USDA?
Can USDA be used for a refinance?
How does USDA compare to FHA?
Should I call a lender or realtor first?
Olivia's Story — From USDA Borrower to Investment Property Owner
Olivia purchased her home using a USDA loan. Ten months later she called me with a problem — she was being relocated for work and needed to buy a new primary residence in another city. The issue: USDA requires you to occupy the property as your primary residence, and she hadn't hit the 12-month mark yet.
Most buyers in this situation panic. Most loan officers don't know what to tell them. I explained what a USDA occupancy waiver was — a provision that allows borrowers being relocated for employment reasons to vacate the property before the 12-month mark without violating occupancy requirements.
Olivia contacted PennyMac directly, requested the occupancy waiver, and received approval before she hit 12 months. We then did an FHA loan for her new primary residence in her relocation city. The original USDA property? She kept it. Turned it into an investment property.
"One phone call turned a problem into a portfolio. She left that conversation with two properties instead of zero options."
USDA occupancy requirement hadn't been met. Most buyers don't know a waiver exists. Most LOs don't either.
Occupancy waiver approved by servicer prior to 12 months. FHA loan closed for new primary. USDA property retained as investment.
Olivia relocated without losing her USDA home, stayed compliant, and started her investment portfolio in the process.
Serving Louisiana, Mississippi, Florida, Texas & 5 More States
Based in Baton Rouge, Louisiana — serving Denham Springs, Livingston, Gonzales, Walker, Zachary, New Orleans, Shreveport, Lafayette, and Lake Charles. Mississippi: Jackson, Gulfport, Biloxi, Hattiesburg, Mendenhall, Vicksburg. Florida: Tampa, Orlando, Jacksonville, Naples, Boynton Beach, and statewide. Texas: Houston, Dallas, San Antonio, Austin, and statewide.
