Today's Mortgage Rate:

3.250% Fixed | APR 4.338%

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

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Backed by the United States Department of Agriculture, the USDA’s rural development program offers USDA loans for qualified individuals living in eligible rural and suburban areas. With many attractive terms like no down payments and low fixed rates, borrowers can experience home ownership at an affordable price that works for them. While the program originally targeted Americans living in rural areas and agricultural markets, the program has now expanded to include rural and suburban parts of the Pittsburgh region, allowing you to own a home away from the hustle and bustle of the city.

Advantages of USDA Loans

  • Low Interest Rates With Pittsburgh interest rates near all-time lows, USDA loans offer rock-bottom rates for both 15- and 30-year mortgage loans.
  • Low Income is Not a Problem USDA loans were originally designed for low- and middle-income borrowers, so no minimum employment history is required, as long as a stable income is found. This makes USDA loans a particularly attractive option for self-employed Pittsburgh residents.
  • No Down Payment With no down payment requirements, Pittsburgh home buyers with limited cash on hand can finance 100% of the cost of their home using a USDA loan.
  • Lenient Requirements For recent college graduates or recently employed Pittsburgh residents, USDA loans are a great option because they accept imperfect credit and higher debt ratios.

USDA Loans with Golden Oak Lending Pittsburgh

As a USDA-approved lender, Golden Oak Lending Pittsburgh can help many homeowners in suburban and rural Pittsburgh areas get their USDA loan. At Golden Oak Lending Pittsburgh, you will receive your own personal loan officer who will not only secure your USDA loan but also guide you through the entire loans process and answer any questions. Visit us today in our local Cranberry Township office!

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