USDA Loans on the Cheap!

USDA Loans: No down payment, affordable rates for rural buyers.

Homeownership in rural America can seem like a distant goal for many, particularly those facing financial hurdles. At Optimal Loans, we're dedicated to bringing this dream closer to reality. A USDA Loan, supported by the U.S. Department of Agriculture, is tailored to help residents of less densely populated areas buy homes with more favorable terms. Let's explore how USDA Loans offer no down payment options and lower interest rates, making it easier for you to plant roots in rural communities.

Get Your Quote

Why a USDA Loan?

There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.

USDA LOAN QUALIFIER

“We had a great experience working with Efren from Optimal loans. The team was super responsive, very attentive to our needs. They worked to get the best rate for us and make an overwhelming home buying process simpler and easier for us.”

Ankita Mittal

The Reverse Mortgage Process

Here’s how our reverse mortgage process works:

Complete our simple USDA Loan Qualifier
Adjustable Rate Mortgage (ARM)
Receive options based on your unique criteria and scenario
Choose the offer that best fits your needs
Fixed Rates
Adjustable Rate Mortgage (ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA, & USDA Loans
Terms from 5 to 30 Years

Apply Now

More About USDA Loans

Our Reverse Mortgage Rates Are Low & Our Process is Quick & Painless

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.

We’re here to make the reverse mortgage process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Reverse Mortgage Qualifier.

We’ll help you clearly see differences between reverse mortgage options, allowing you to choose the right one for you.

Apply Now

Get Your Mortgage Rate Quote in Just 30 Seconds!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below: