USDA Home Loan

Up to 100% financing available
Available for purchase, cash-out or rate-term refinance
Home must be in a designated eligible USDA area
Not limited to first time homebuyers
Income limits to qualify vary by location and household size

*Licensing and Disclosures

Angel Oak’s USDA / Rural Development home loan is a mortgage for homebuyers in qualified rural areas.

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PurchaseRefinance

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Primary ResidenceSecond Home / Investment Property

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Product FAQ

General FAQ

What Is A USDA Home Loan?

The USDA loan is a mortgage loan for rural homebuyers. These loans are issued by USDA approved lenders and guaranteed by the U.S. Department of Agriculture.

Can A First Time Homebuyer Qualify For A USDA Loan?

Yes, these loans are for first-time homebuyers and buyers who have purchased homes before.

Is A Down Payment Required For A USDA Loan?

Qualified borrowers can purchase a home without a down payment. A lender can offer more information about down payment options and eligibility.

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Angel Oak Home Loans LLC NMLS# 685842, For licensing information, go to: (www.nmlsconsumeraccess.org), Licensed in AL, AZ #0927070, AR, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act , CO, CT, DE, DC, FL, GA #32379, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, ND dba AOHL LLC, NE, NH, Licensed by the N.J. Department of Banking and Insurance, NM, NC, ND dba AOHL LLC, OH, OK, OR, PA, Rhode Island Licensed Lender, SC, TN, TX, UT, VT, VA, WA dba AOHL LLC, WV, WI, WY. Corporate Office: 980 Hammond Drive, Suite 200, Atlanta, GA 30328. The information contained herein is for informational purposes only and is not a commitment to lend. The programs, rates, terms, and conditions are subject to change at any time without prior notice. Not all borrowers will meet the requirements necessary to qualify. All loans are subject to credit and property approval. Other restrictions and limitations may apply.