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USDA Rural Development Loans | RHS Loan Programs

USDA stands for United States Department of Agriculture. USDA RD loans provides low-cost insured home mortgage loans that suit a variety of options. USDA mortgage RD loans might be right for you if you want to purchase a home with no down payment in Baton Rouge.

Area Home Lending by Jason Guerin knows USDA mortgages are structured similar to conventional loans, except for the down payment requirements and mortgage insurance. The U.S. Department of Agriculture has strict regulations on what areas are open for rural home loans. The agency has broken down the United States into qualified rural areas where these loans can be used. Not all qualified areas are completely apart from higher population areas. Mortgage seekers from Baton Rouge may be able to use rural home loans in towns of 25,000 people or fewer. Local USDA rural development field offices keep the qualifications reports.

USDA loans are one of our 100% Financing loan options, which means that they have no down payment requirements. The cost of the mortgage insurance fee and the costs of eligible home repairs and improvements may to be added to the loan size at the time of closing. Since USDA home loans do not have a specific loan size limitation, home buyers in Baton Rouge can borrow more money with a USDA mortgage than with a conventional loan, VA loan or FHA loan.


Area Home Lending 1737 Oakdale Dr Baton Rouge, LA 70809 (225) 663-2500
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