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Today’s Mortgage Rate:

3.75% Fixed | APR 4.791%

FHA, 15-year fixed, 10% equity, qualified credit

A USDA loan is a government-backed mortgage loan available to residents living in qualifying rural and suburban areas. The flexible terms and low-cost benefits of a USDA loan make it a popular choice for eligible residents. Originally intended for rural development, USDA loan qualification requirements have expanded to include many suburban areas. With these new guidelines, many Denver residents living in the suburbs and surrounding neighborhoods can now take advantage of the savings from a USDA loan.

Advantages of USDA Loans

  • No Down Payment Necessary For Denver homebuyers that have limited cash or would rather save it for other uses, a down payment is not necessary with a USDA loan. By financing 100% of your home, you can keep your cash on hand.
  • No Income Dependency USDA loans are perfect for Denver residents with stable but low to moderate incomes. For many people who are self-employed or work for an hourly wage, a USDA loan provides affordable terms and financing.
  • Low Rates and Fees Since USDA loans are backed by the government, eligible Denver borrowers will enjoy low fixed interest rates and fees. Even for homebuyers with less than perfect credit, USDA loans' private mortgage insurance is very reasonable and offers the option of including closing costs in the loan.

USDA Loans in Denver

With a USDA loan from Golden Oak Lending, qualified Denver buyers can enjoy homeownership with low rates, 100% financing, and no down payment. Although you may not consider your Denver neighborhood to be "rural", there are many rural and suburban areas in the Denver regions that qualify for a USDA loan. The personal loan experts on our Denver team will determine if a USDA loan is the right mortgage for you and will lead you through every step of the process. Call our local Denver office today to realize your deam of home ownership!

Interest rates are at an all-time low, and the time to call is now!

Contact us today and see how our rates can save you money!