USDA Loans
Borrow with Betty believes in homeownership opportunities for everyone, including non-U.S. citizens.
Affordable Rural Homeownership Backed by the USDA
At Borrow with Betty, we believe everyone deserves access to affordable housing, no matter where they choose to live. That’s why we offer USDA Loans—government-backed mortgages specifically designed to help low-to-moderate income buyers purchase homes in eligible rural and suburban areas throughout Illinois.
USDA Loans are insured by the U.S. Department of Agriculture, allowing lenders to offer 100% financing with no down payment required.
This makes homeownership much more achievable for families who may not have significant savings, particularly those looking to settle outside major metro areas.
One of the most attractive features of a USDA Loan is the lower interest rate compared to many conventional loans. These loans are structured to support long-term affordability, giving borrowers access to competitive terms even with limited credit or income.
Another major advantage is the reduced monthly mortgage insurance cost. USDA Loans require a guarantee fee, but this fee is generally more affordable than traditional private mortgage insurance (PMI), helping keep your monthly payments manageable and predictable.
Eligibility for a USDA Loan is based on both location and income. The property must be located in an approved USDA rural area, and household income must fall within certain limits based on family size and region. Our team helps you quickly determine if you and your desired property qualify.
USDA Loans can be used for purchasing a home or refinancing an existing USDA mortgage. They are meant for primary residences only, ensuring the program supports stable, long-term housing for families looking to live in and contribute to rural communities.
We work closely with you to gather the necessary documentation, verify eligibility, and make the process as smooth as possible. From application to closing, we’re committed to offering clear guidance, compassionate support, and a hassle-free experience tailored to your needs.
These loans are especially valuable for first-time homebuyers or those relocating to more affordable areas. Whether you’re buying in a small town, an agricultural community, or an outer suburb, USDA Loans offer a way to plant roots without the financial burden of a large upfront investment.
At Borrow with Betty, we’re proud to help Illinois residents achieve the dream of homeownership in places where families can grow, communities thrive, and lifestyles flourish. A USDA Loan can make that dream real—with zero down and full support from a team that cares.
