USDA Loans
Zero-down financing for buyers in qualifying rural and suburban areas across the South Carolina.
USDA eligibility is based on official USDA maps, not how rural an area feels. Many suburban communities just outside major cities in North and South Carolina actually qualify. We can check any specific address against the USDA eligibility map for you.
Yes. USDA loans are designed for low-to-moderate income buyers, and limits vary by county and household size — generally based on 115% of the area's median income. We'll help you determine whether your household qualifies based on where you're buying.
For eligible buyers, yes — USDA loans allow 100% financing with no down payment required, as long as the home is in an eligible area and you meet income and credit requirements.
Most lenders look for a credit score of 620 or higher, though some flexibility may be available depending on your full financial picture. We'll review your credit and let you know where you stand.
Yes, but it's typically lower than FHA mortgage insurance. USDA loans require an upfront guarantee fee (which can be rolled into the loan) and a small annual fee paid monthly, both of which are usually more affordable than FHA's mortgage insurance premiums.
USDA loans are intended for modest, single-family primary residences in eligible areas. They cannot be used for investment properties, vacation homes, or income-producing properties.
USDA loans typically take 30 to 45 days to close, similar to other loan programs, though timelines can occasionally run slightly longer due to an additional USDA review step in the approval process. We'll keep you updated throughout and help avoid unnecessary delays.
Yes — USDA loans aren't limited to first-time buyers. As long as you meet the income, credit, and property eligibility requirements, you can use a USDA loan whether it's your first home or not.
Phone: 864‑205-5210
Address: Greenville, SC
Office Hours
Monday–Friday: 9:00 AM – 5:00 PM
