What is a USDA Loan?

USDA is a government loan program that provides great loan benefits for home buyers purchasing in designated rural areas throughout the country.  USDA or the United States Department of Agriculture offers a 100% Financing through the Guaranteed Loan program.

USDA Loan Program Highlights

No Down Payment (100% Financing)

Financed Funding Fee

Lower Monthly Mortgage Insurance than FHA

Competitive Interest Rates

The following counties qualify Franklin, Granville, Vance, Johnston, Harnett and Warren for USDA Loans.  Designated sections of other counties qualify as well.   

Please call us today to find out if the property you are interested in qualifies for a USDA home loan.  

Household Income restrictions listed below:

County 1-4 Person Household 5-8 Person Household Metro Area 1 - 4 Person Household 5 - 8 Person Household
Alamance 74,750 98,650 Burlington 74,750 98,650
Chatham 82,000 108,250 Charlotte 78,880 104000
Cumberland 74,750 98,650 Durham 82,000 108,250
Durham 82,000 108,250 Person 74,750 98,650
Franklin 91,850 121,250 Fayetteville 74,750 98,650
Granville 74,750 98,650 Hoke 74,750 98,650
Gilford 74,750 98,650 Goldsboro 74,750 98,650
Harnett 74,750 98,650 Greensboro 74,750 98,650
Johnston 91,850 121,250 Greenville 74,750 98,650
Lee 74,750 98,650

Hickory
Lenoir
Morganton

74,750 98,650
Mecklenburg 78,800 104,000 Jacksonville 74,750 98,650
Nash 74,750 98,650 Raleigh 91,850 121,250
New Hanover 74,750 98,650 Rocky Mount 74,750 98,650
Orange 82,000 108,250 Wilmington 74,750 98,650
Pitt 74,750 98,650 Winston-Salem 74,750 98,650
Vance 74,750 98,650
Wake 91,850 121,250
Warren 74,750 98,650
Wilson 74,750 98,650


Hamilton Group Funding underwrites loans according to the USDA Guidelines and underwrites the loans for USDA.  USDA issues final approval.



What Does This Mean?

  • We process, underwrite, close and fund USDA loans
  • We provide USDA pre-qualification upfront
  • We close loans quickly and efficiently

Call for more details and find out how much you can afford today.

USDA Mortgage Information Request

Please complete this form to get more information about the USDA Loan Program. Natalya or someone on her team will get back to you soon.

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