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Rural Housing Service (RHS) Loans

The Rural Housing Service (RHS), which is part of the U.S. Department of Agriculture (USDA), guarantees loans to eligible rural areas with no down payment. Only low- and moderate-income rural residents are eligible for these mortgage loans. The guarantee is paid for by the borrower through a Guarantee Fee of 2.75% of the loan amount. A Rural Housing Mortgage, or RHS Loan, requires that borrowers meet full credit, income and property qualifications.

  • Down Payment: No
  • Appraisal Type: Primary Residence
  • Loan Purpose: Purchase or Refinance

Learn More

Find out if your home qualifies for an RHS Loan at the USDA Income and Property Eligibility website. For more information about how we can help you with your Rural Housing Mortgage, or to apply, please visit

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