USDA Loans

Specialty loans for rural housing

USDA Loans

If no down payment is at the top of your checklist, than an USDA loan may be perfect for you!

What are USDA Loans?

A USDA Home Loan is a Government insured loan that allows borrowers to obtain 100% NO MONEY DOWN financing. It is designed to meet the needs of people living in small communities, rural areas, as well as outlying metropolitan areas. These loans are offered by private lenders such as Primary Residential Mortgage and insured by the government.

Low interest, fixed-rate Homeownership loans are provided to qualified persons directly by USDA Rural Development. Financing is also offered at fixed-rates and terms through a loan from a private financial institution and guaranteed by USDA Rural Development for qualified persons. Neither one of these home loan programs require a down payment.

At a Glance

100% Financing Available

Income Limit Restrictions

Property Location Restrictions

Must Qualify With USDA

Ready to Apply?

When to Find A Lender

It’s perfectly acceptable to talk to a lender before you pick a house or a Realtor. Finding a lender before searching for a house can actually help you narrow your search for a home.

How to Find A Lender

You can get everything online lenders promise from a local lender. An online application is a great place to start, but nothing beats a 15 minute to discuss your options.

Getting the Best Rate

A reputable lender can get you the best rate for your available credit. Remember, a low rate doesn't mean anything until your loan actually closes!

Areas We Serve

We provide competitive rates and excellent service to homeowners and future homeowners in both Southern Kentucky and Northern Tennessee.

Fully Licensed for Conventional Loans in all 50 States
Graham Lending Group
1039 College St. - Suite 209
Bowling Green, KY  42101
(270) 551-2028