If you’re someone who prefers wide open sky instead of skyscrapers, then a USDA loan might be right for you! The USDA loan is a zero down payment mortgage for eligible rural homebuyers. In 2009, changes to the USDA program made millions of Americans now eligible for its rural mortgage programs which is designed to “improve the economy and quality of life in rural America.”


The American dream of home ownership has become more difficult as families struggle to come up with the 20% down payment that many conventional home loans require.  With the USDA loan, owning a home is now more possible than ever.



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Do I Qualify For A USDA Loan?

In the past USDA Loans were often called “farmers’ loans” but times have changed. Almost anyone outside of a major metropolitan area looking to purchase a home can qualify for a USDA loan.  Eligibility varies based on area, income, credit history, and number of dependents claimed, so it’s important that you call and speak with one of our experts to see if you qualify.

  • Zero money down and 100% financing is available
  • USDA loans come directly from the federal government or from government approved and backed lenders
  • You can have lower monthly payments with terms up to 38 years
  • Poor credit can qualify
  • Low income families can qualify

USDA Loans Can Be Used For:

  • New Home
  • Pre-existing home
  • Condominium
  • Townhouse
  • PUDs
  • Modular or Manufactured homes
  • Land and the cost of building a home
  • Commercial property
  • Farms and equipment

What Our Customers Are Saying


What Our Customers Are Saying


Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
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