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Country style house

USDA Loans


USDA loans are ideal for those who love the countryside. USDA loans offer 100% financing with flexible credit and underwriting terms.

Insured by the U.S. Department of Agriculture, USDA loans are designed to help low- or moderate-income families buy, repair, or renovate a home in a rural area. Certain geographic eligibility requirements apply. 


There are various types of USDA loans including:

  • Single-family direct homeownership loan

  • Single-family guaranteed homeownership loan

  • Rural repair and rehabilitation loan or grant

  • Mutual self-help loan

Although the various USDA loan types have different terms and details, all offer effective interest rates and don't require a down payment. 


Credit scores as low as 580 may be accepted. 


  • 0% down

  • Rural areas only

  • Flexibility in credit & terms

  • 30-year fixed mortgage term

  • Constant interest rate

  • Constant monthly payments

  • Insured by USDA

Ready to Buy a Home?

Cardinal Financial offers flexible loan options to fit your needs. As your go-to trusted professional, Eric will help you navigate your loan options, evaluate trade-offs, and execute a smooth transaction to get you to the finish line as a new homeowner.

With over 20 years of experience in the mortgage industry, Eric Haubenschild with Cardinal Financial has the knowledge and expertise to guide you through the mortgage loan process.

Sunset over Barley Fields
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