•  We offer USDA-RD in the State of New York!
• 100% Financing...NO MONEY DOWN!
•  No Mortgage Insurance!
• No Cash Reserve Requirements!
• 6% Seller Concessions Allowed to cover closings costs!
• Gifts allowed and DO NOT NEED to come from relative!
• 30 year fixed and NO PMI!
• All Closing Costs can be included in the loan!
• Try USDA-RD BEFORE FHA because we require NO DOWN PAYMENT!
• Standard Site Built Homes or Modular. No MFH or Log Homes.
• First Time Home Buyers Allowed!
• Minimum of only 620 on all borrowers to go No Money Down!

• Rates at all time lows!
• 24 hour conditional approval! 

USDA Loans are offered through the Rural Housing Division of the US Department of Agriculture. USDA Loans were created to facilitate housing and development in America's rural areas. The USDA offers mortgage loans so that those people are not forced to move and can afford housing in the rural areas they want to live in. USDA Rural Development loans are one of the last remaining 100% financing programs left. The government offers the zero money down option so that rural borrowers, who may be renting, can have access to affordable mortgages. That is why the USDA does not require any down payment on their rural housing mortgage loans. USDA Rural Development loans are the perfect way to finance your rural property without coming up with a down payment.