USDA Loans – No Loan Limits!

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The Lowdown on USDA Loans...

Our USDA Loan Rates Are Low & Our Process is Quick & Painless

Reap the benefits of being diligent with your credit score. Here at Top Flite Financial, we help residents from Coast to Coast enjoy a zero-down payment mortgage with low-interest rates through our USDA loan program.

What is a USDA loan?

The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct home ownership loan, the single family guaranteed home ownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify.

Though the terms and details of these loans differ, all offer very low effective interest rates and don’t require a cash down payment. To qualify, you need to have a decent credit history and verifiable income to support the new mortgage payment.

Helping residents in Rural areas Finance their Home

We’re here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE USDA Loan Qualifier.



Our dedicated lending specialists will explain the different types of loans to you, allowing you to choose the solution you believe is best. Whether you’re a first-time homebuyer or a homeowner hoping to improve his property, we can help you close on a mortgage.

With our fast and easy process, you can move in sooner than you think.

The USDA Loan Process

Here’s how our home loan process works:

  • Complete our simple USDA Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why a USDA Loan?

There are many benefits, including no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment.

Additionally, the USDA Loan allows borrowers to use a gift towards their down payment!

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Low Mortgage Insurance
  • No Loan Limits
  • No Down Payment Required
  • USDA Streamline Refinance
  • Terms from 10 to 30 Years

Get Your FREE USDA Loan Quote Now!

I Want My FREE USDA Loan Quote!