USDA Loan

If you’re buying a home and ready for greener pastures, BayFirst can help get you there. Through the United States Department of Agriculture (USDA) loan program, we assist qualified buyers purchase a home in designated suburban or rural areas.

Leave The City Behind With A USDA Loan

Like all non-conventional mortgages, USDA loans are backed by the government, in this case the U.S. Department of Agriculture. USDA loans do not require a down payment and offer favorable terms, but can only be used to purchase homes in eligible rural areas.

If you and your home qualify, there are some great incentives that come with a USDA loan.

Lower Interest Rates
Low or no down payment required
A credit score of at least 620 to qualify
Easy Application

Ask A Question

Why BayFirst?

At BayFirst, we’re Here for What’s Next^®, including your new address. But before you can say “see ya” to the city, you’ll need to find the right mortgage. For more than 20 years, BayFirst’s expert mortgage lenders have been helping buyers like you find the best rates, terms, and loan types to get you moving into the rural residence of your dreams.

Talk to an expert

What's The Next Step?

Contact A Mortgage Expert

Unsure if an USDA loan is your best option? We can help you weigh your options.
Get Preapproved

Use the BayFirst Buyer Ready Program to get preapproved and ahead of the competition.
Go Shopping

Stay within your preapproved limit, keeping in mind closing costs, inspections and other additional fees associated with buying a home.
Lock In A Rate

Once you’ve found the home you want, you’ll lock in a rate as the application is processed.
Move In

After the application process is complete, you’re clear to close, grab the keys and move on in.

Visit the USDA’s Property Eligibility Site to determine if your dream home is located in an eligible rural area. Then, gather your income history, debt information, social security number and bank statements. Still on the fence or need more details?

Talk to a lender today

USDA FHA FAQ

First make sure the home you wish to buy is in an eligible rural area by visiting the USDA’s site. Then, an expert lender can review your financial situation and let you know if you qualify based on a number of factors.

No, first-time homebuyers and repeat homebuyers alike may take advantage of USDA loans.

There are no maximum loan amount restrictions on USDA loans. Your maximum loan amount will be based on existing debt, income, ability to repay the loan, your credit and other factors.

USDA loans typically require a credit score of 620 or higher.

No, USDA loans can be used for primary residences only.

Have More Questions?

All loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or termination without notice. BayFirst National Bank is not affiliated with the Federal Housing Administration, U.S. Department of Veterans Affairs, or any other government agency.

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USDA Loan

If you’re buying a home and ready for greener pastures, BayFirst can help get you there. Through the United States Department of Agriculture (USDA) loan program, we assist qualified buyers purchase a home in designated suburban or rural areas.

Leave The City Behind With A USDA Loan

Why BayFirst?

What's The Next Step?

Contact A Mortgage Expert

Get Preapproved

Go Shopping

Lock In A Rate

Move In

Visit the USDA’s Property Eligibility Site to determine if your dream home is located in an eligible rural area. Then, gather your income history, debt information, social security number and bank statements. Still on the fence or need more details?

USDA FHA FAQ

Do I qualify for a USDA loan?

Are only first-time buyers eligible?

What is the maximum amount that I can borrow?

What credit score do I need for an USDA loan?

Can I use a USDA loan to purchase an investment property?

Have More Questions?