Home / Loan programs / USDA loans
Loan program
USDA loans
USDA Rural Development guaranteed loans help moderate-income buyers purchase homes in eligible rural and suburban areas, including much of Columbiana County.
A good fit for
- Buyers in eligible rural and small-town areas
- Moderate-income households within USDA limits
- First-time and repeat buyers
- Buyers who want to keep savings intact
Good to know
- The property must be in a USDA-eligible area
- Household income limits apply
- Primary residences only
- Guarantee fees apply, similar to mortgage insurance
Is your area eligible?
USDA eligibility is set by location, and many communities outside larger cities qualify. A large share of Columbiana County and other parts of Northeast Ohio fall within eligible areas. Send us an address and we will check it.
Income limits
USDA counts the income of everyone in the household, not just the borrowers. Limits vary by county and household size. We will run the calculation before you start house hunting.
Rates and terms change daily. Contact us for current pricing based on your credit, property, and down payment.
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Apply online in about 15 minutes, or call to talk it through first.