USDA Refinance Home Loans

Lower your rate, shorten the term of your loan, or take cash out from the equity in your property with a USDA Refinance

  • 100% financing
  • No loan limits
  • One-time 2.75% upfront Guarantee Fee, .5% monthly Guarantee Fee - if appraised value exceeds sales pricing, Guarantee Fee may be financed.
  • No down payment required
  • Rate & Term or Cash-Out Refinance options
  • No monthly mortgage insurance
  • 620 minimum FICO score
  • Household income considered, not just borrower on note - must meet USDA's income guidelines.
  • Borrowers may not own other property
  • Eligible properties
    • Single family, condominiums and town homes (must be agency approved)
    • No “income-producing” properties, i.e. farms
  • For property & income eligibility go to

USDA loans are available for purchase or refinance. We offer a standard USDA Purchase.