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USDA Loans

USDA Loans

A USDA Loan Can Help You Own Your Little Piece of Paradise
Application to Closing 60% Faster With a USDA Mortgage from Warsaw Federal

Do you want a quiet place of your own, away from the noise and challenges of city life? A Rural Development Loan from the U.S. Department of Agriculture may be just what you’re looking for.

USDA loans are intended to help people purchase and improve property in non-urban areas.

Terms of USDA mortgages are generous, and include:

  • No down payment
  • $0 cash-reserves requirement
  • Lower rates
  • Fixed rates—your interest rate never goes up

You Can Use Your USDA Mortgage in a Variety of Ways
In addition to purchasing a home, you can use your USDA loan to repair and improve your new home. Possibilities include:

  • Repair and rehab expenses
  • Energy improvements, such as insulation and solar panels
  • Improvements to your property, such as grading, a driveway and landscaping
  • New utility connections, such as sewage, gas and broadband internet
  • Costs of appliances the seller may offer with the property

The USDA does limit applications in some ways. Your income must be below a certain level, and the property must be in a smaller town or a rural area. However these limits are generous: Your income can be higher than the average income for the area your new home is in, and USDA loans are available for 97 percent of the area of the U.S.

Warsaw Federal Processes USDA Loans 60% Faster

Many lenders take up to seven weeks to process USDA loans. Not Warsaw Federal. Our average time from application to closing is less than a month. Get your USDA mortgage from Warsaw Federal and move in to your dream home sooner.

Apply Online for Faster USDA Mortgage Approval

Start today. Make your home search more efficient by getting preapproved for your USDA loan.


Apply right here so you can start shopping with confidence for your dream home.
All loan features are based upon a home value of $150,000, loan amount of $151,515, with a principal and interest payment of $734.32 and an APR of 4.654%