USDA Loans

Affordable Living in Small Towns
& Rural Communities

Why Choose a USDA Loan?

  • $0 Down Payment - Finance up to 100% of the purchase price
  • Low Rates - Backed by the U.S. Department of Agriculture
  • Credit-Friendly - Scores starting at 620
  • Flexible Credit History - Shorter waiting periods after bankruptcy or foreclosure
  • Not Just for First-Time Buyers - Available to repeat buyers who qualify

Basic Eligibility

  • Home must be in a USDA-approved rural area
  • Household income must be ≤ 115% of area median
  • Primary residence only
  • Must qualify for full mortgage payment (including taxes & insurance)

Not sure if a USDA Loan is right for you?

Our advisors will help you compare options and find the best fit for your situation.
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Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – N.J. Department of Banking and Insurance; OH: Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL; IL:MB.6761600, Division of Banking Illinois Dept of Financial and Professional Regulation; 555 West Monroe St, 5th Flr; Chicago,IL 6066, 1-888-473-4858; For other states, visit www.changemtg.com. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2026. Change Lending, LLC. All rights reserved.